So, this is for an emergency room visit. I'm far from having met my deductible. The phrase "insurer covered" suggests my insurance company is paying something, but I think in fact they've just negotiated a less ridiculous price, and the only actual cash flow is coming from me. 1/

Am I wrong? If I am not, isn't this presentation misleading? Is it legal? Should it be? /fin

Here's the EOB presentation of the same visit. Not that the top line numbers don't match, although my cost does. The same ambiguity obtains. Does "plan benefits" represent a negotiated price, or an actual cash flow? cc @bananapantz.bsky.social @paulriz504.bsky.social

(the prior presentation was from the providers' statement to me.)