"This Bill represents the co-insurance, deductible or co-pay amount due "

This is a bill I received from the company LabCorp asking for paying a bill.

Quick facts:
1. I did a blood test at Dr. Iwata
2. I used my insurance
3. I paid ~$30. According to them, that's the remaining amount I need to pay after subtracting what my insurance pays.
4. They sent my blood sample to a company(probably LabCorp) and mailed me the results a month later.


But now LabCorp sent me a bill asking for $21. Hasn't my insurance covered that already?


The answer is: yes but not the co-pay.

Dr. Iwata's office says that what I paid them was for the blood sample taking. But that's different from what the company charges me for

It's definitely worthwhile to know how some of the terms:

"Let's say your plan's deductible is $1,500. That means for most services, you'll pay 100 percent of your medical and pharmacy bills until the amount you pay reaches $1,500. After that, you share the cost with your plan by paying coinsurance and copays.
Lisa has allergies, so she sees a doctor regularly. She just paid her $1,500 deductible. Now her plan will cover 70 percent of the cost of her allergy shots. Lisa pays the other 30 percent; that's her coinsurance. If her treatment costs $150, her plan will pay $105 and she'll pay $45.

• A copay is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service. You may also have a copay when you get a prescription filled.

For example, a doctor’s office visit might have a copay of $30. The copay for an emergency room visit will usually cost more, such as $250. For some services, you may have both a copay and coinsurance."

reference:http://www.bcbsm.com/index/health-insurance-help/faqs/topics/how-health-insurance-works/deductibles-coinsurance-copays.html