<prompt> Human: It looks like I had exceeded the payout from my insurance provider for the year 2 visits ago. For the last 2 visits, the treatment amounted to 320 which the insurance has refused to pay. I did not know this information before I took the treatment. Was I supposed to track my insurance spending ? Its just a waste of money since the treatment was not critical and I could have easily postponed it by a month. Who here is to blame ? me or the doctors office ?  <response>: If your policy has a payment cap then yes you are supposed to track it and the blame is on you. 