<prompt> Human: Hi PF, Ive run into a problem. I went to the doctor about 3 months ago for a physical and I asked for a referral to a psychiatrist. I thought I was probably suffering from ADHD and wanted a diagnosis. My GP suggested I go see a nurse practitioner who specialized in that area who worked in his office, so I agreed. I came back and saw the nurse several times, figured out my diagnosis, everything good. The only odd thing was after each visit, I went to the front desk, asked what I owed, and they told me I owed nothing, dont worry, etc. Now I thought this was pretty strange, but I figured worst case it would be around 80 like it normally is when I saw this doctor. I was seeing someone who was technically not even a doctor so it shouldnt be too expensive right?Well not so. I was doing titration on some meds with this nurse, so I had been going in quite often to get my medication adjusted. It turns out each visit is 240 dollars, 3 times what I was expecting. Now my bill shows 2 visits for 288 right now, but I know I went more than that, and Im concerned that if I pay this bill off Ill be getting another bill in a month for the exact same amount.Now technically I can afford what I owe, but it would pretty much wipe out my savings. Im really frustrated and upset that they waited until all my visits were pretty much done before they sent me a bill or even gave me an inkling of how much it was going to be. What can I do to get this bill lowered?One complication is that Im on an HSA insurance plan. Basically I get a small adjustment on true costwhich brought me from 320 a visit to 240 and everything else Im responsible for until my deductible is met. Normally this isnt a problem, but now I think Ive met one of the downsides. I think since theyve already reported the charges to my insurance the office isnt willing to bring the bill down for me, like if I was truly non-insured. I called them, and the only option they were giving was to put me on a payment plan. I told them I wasnt going to pay the bill and she said fine, Ill mark you down as non-paying. Honestly at this immediate moment Im angry enough to not want to pay it, but I dont want the hit to my credit, and I quite like my GP also. What should I do PF?Edit: Just want to thank everyone for the all the replies, at least I know where I stand now. Looks like I wont get this resolved to my satisfaction, but Ill probably end up setting a payment plan and paying it off as my HSA refills.I also wanted to reply to everyone mentioning how bad HDHP plans are. I thought the HSA was a decent deal for me because I had the peace of mind of knowing a disaster struck I would have coverage for that, and as long as I continued seeing the doctor as little as I had been I would have zero out of pocket expenses while paying less a week than I would for a normal plan. That worked out for the past two years, but I suppose now Ive experienced the risk that comes with that. On the other hand if your healthy and more careful than I was you can save a decent amount from having cheaper month to month payments, zero out of pocket expenses, and if a disaster did strike, I actually have a lower limit on my deductible than a normal PMO. Is there some other aspect here that Im not considering?I know now that practicing due diligence to make sure youre aware of how much your being charged is really important for a plan like this, and I feel like an idiot for not being more careful. Live and learn, I guess, it just sucks when a mistake is this expensive.UPDATESo I went to the doctors office and talked the people in billing. I took the advice of a few of the posters and tried looking up prices on equivalent services, and it turned out to be really difficult to do in the 5 minutes before I had to leave. I ended finding a couple of places though, and it appeared that 45 minutes with a psychiatrist tended to run around 200 with quick medication management visits between 15-30 minutes were 175. My bill has the first visit as 40 minutes costing 360, negotiated down to 280.47 by the insurance. 2nd visit was 290, which was then negotiated down to 208.42. Even after being negotiated down my bill is 110 more than what a specialist visit to a psychiatrist office would normally cost, without the negotiation it costs 260 dollars more. Whats even more frustrating is that I was seeing a nurse-practitioner, not a psychiatrist, and I wouldnt consider that a specialist. So I was getting charged more than a specialist would charge for non specialist treatment.I talked to a woman in billing and pointed this out. She was super nice and told me shed work to get the bill lowered and would talk to me on Tuesday to let me know what the outcome would be. So fingers crossed, this bill will get lowered to a more reasonable sum. Thanks for the advice everyone.  <response>: This is the high deductible part of the high deductible health plan. 