<prompt> Human: My deductible is 1300, and Ive already met it for the year. But I just got a hospital bill for 2200. What steps should I take to address this? How can I find out how much was paid by insurance, and whether I really owe this money? I thought this visit would be covered.  <response>: Call both the hospital and your insurance company and figure out what information they need. Expect to get bounced around. Also, if the insurance company still refuses to pay and your health insurance is through your employer, contact your HR person or insurance rep. I had surgery a few years ago that my insurance was refusing to pay for because it involved a pre-existing condition. Because this was post-ACA and denying people care based on pre-existing conditions isnt a thing anymore thanks Obama!, I got in touch with the head of HR for my company and he took care of it for me. The insurance company ended up paying for the whole thing, no questions asked. I wish I knew what my HR guy said to them... 