I'm trying to figure this out. Insurance companies scam doctors out of reimbursement when they have to pay for some procedure, visit, and other crap. I have a $5000 annual deductible which I will never reach. The doc checks off a bunch of codes and then bills my insurance company. Although my insurance company doesn't pay **** until I reach 5000, will they allow a $4000 office visit bill to go through without blinking an eye? or would that raise a red flag? It seems it would be easy to get away with overcharging a patient with a high deductible insurance plan, since insurance companies really have no incentive to deny claims when they're not paying for any of it. how does the patient deal with this?