<prompt> Human: I have blue cross blue shield ppo through my employer. My insurance card says that I can go to the emergency room for only a 50 copayment. Well recently I woke up without being able to hear properly and freaked out so I went to urgent care. I gave them my insurance card and was not informed that my insurance would not cover it. Turned out I had ear wax buildup and the doctor just squirted some water and fixed it. Now I get a bill for 450 and insurance says theyre only covering 100.It doesnt make sense that my emergency room copay is only 50 yet my insurance makes me pay nearly everything for an urgent care visit. Is there anything I can do to negotiate this price down or get insurance to pay?  <response>: I gave them my insurance card and was not informed that my insurance would not cover it. A key thing here is that its not the health care providers responsibility to inform you whether any service is covered, how much you will have to pay, whether they are in or out of network, or anything else; there are thousands of insurance policies and they cant possibly know exactly what your coverage will be by going on whats printed on the card. Ultimately its your responsibility to fully understand your coverage that means reading all of the paperwork that defines your policy, not just whats printed on the card and be aware of exactly what is covered and what isnt; the provider wont tell you any of that for you. 