I took my wife to SignatureCare ER today (Montrose), after she tripped and cut her hand. They did a few CT scans, glued the cut together, and we were there for a few hours. She wasn't hurt very much -- just had a minor panic attack. My guess is this could easily be a $5000+ ER visit. (BTW, it was a total upsell on the CT scans -- I don't think she needed them, and based on that would not recommend going to see these people)

They said that they don't balance bill and won't bill us for anything other than our copay ($650 for an ER visit). However, my wife had used almost none of her $6300 deductible / $6900 max out of pocket.

So my question is this -- what do we end up paying? Clearly we pay the $650 copay when they bill us for that, but if the ER isn't going to bill us, will the insurance company (BCBS) pay the ER and then bill us for the amount of the deductible? Or will they tell the ER to bill us, and then we get a bill even though we were told we wouldn't?

I'm just not sure how this situation works.

Thanks.