<prompt> Human: I just got the bill for a heart monitor my doctor made me wear for a day and it is nearly 4k...I cant afford this. I was never told this is what it would cost or anything.  <response>: People, if you dont know the framework of your health plan, call and ask. You should know your deductibles, copays, coinsurances, out of pocket max, etc. write it all down on your insurance card. One isnt expected to know the coverage for every single procedure, even the call center reps dont know it all, but the information is usually online through some sort of portal or website through your heath plan. If not, call and ask before agreeing to procedures, and a rep will look it up for you. They will even tell you where you stand in terms of deductibles, etc. 