<prompt> Human: Im on a HDHP and got a physical a few months ago. I had a few blood tests done, and all of them were covered except for the Vitamin D one.On my explanation of benefits EOB, the insurance company put a note next to the Vit D test saying: MEDICAL DIRECTOR DECISION TO DENY OR PARTIALLY DENY COVERAGE AS NOT MEDICALLY NECESSARY. AN EXPLANATION WILL BE SENT UNDER SEPARATE COVER. PATIENT IS NOT RESPONSIBLE FOR DENIED CHARGES. EOB PicToday, I got a bill from my provider for 91. I know its only 91, but am I responsible for paying this bill? And should I be following up with the insurer or the provider first?Thanks!  <response>: If either insurance or healthcare provider said youre not responsible to pay, youre not responsible. And thats that. Forward your healthcare provider to talk to your insurance company. 