The billing process is the discretion of the providers. For bigger situations like hospitalization, surgery etc, providers will usually bill the insurance company directly. For smaller situations like a doctor consultation, providers may ask the insured person to pay up front and then get reimbursed. Limited plans, like ChoiceAmerica, pay a fixed dollar amount for every service and treatment. The policy maximum is just the outer limit. The deductible is also deducted from the fixed benefit amount, and not the amount that the provider charges.
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