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All this being said, how much of a difference is it going to make to you in the end? Giving birth this year, you were likely going to hit your deductible either way? Also, congratulations!

@xuxana What exactly are they billing for? If there truly was no medical content in the meet & greets, I'm not sure how they could bill that at all. But it seems likely to me that there was at least something medical discussed (even if only a "how are you feeling"). In theory you could fight the...

@emmalynx The contracted rate is the price agreed upon between your provider and your insurance company. It doesn't have to match what the provider bills, or what other providers charge, or what other insurance companies agree to. Where did you get the $11-$195 figure from? Googling for those...

@mcwilson40 Just to add in case it wasn't clear from this excellent answer, Plan 1's "Coinsurance N/A" means there is no cost-sharing, which is true because the deductible and OOP max are the same -- the first $3500 would be all on you, everything after that would be all on the insurance company.

@tom_the_doubter It's possible that Tier 3 costs don't count toward the Tier 1 OOP Max. So even though you satisfied the Tier 3 OOP Max and wouldn't pay anymore for Tier 3, you were still allowed to pay for Tier 1 services. This seems counterintuitive... but I think it's possible

@ttebayo Your EOBs might also explictly tell you how much of your deductibles and OOP maxes you've used so far, which would be good information to have in deciphering this situation.