<prompt> Human: Recently went to get a physical at new doctor. I live in NY and have a high deductible plan with one free visit per year. Usually just pay lab cots under 100I got the bill and it came out to 500 for a blood test. I called the lab and they told me the doc ran a bunch of unnecessary expensive tests like allergy. They told me since It was on deductible insurance they cannot discount it, and told me that the bill would have come out cheaper had I had no insurance at all. Is there anything I can do?  <response>: You should post this to rinsurance That sub is full of people who actually work in the insurance industry and will probably be able to help you more than pf redditors. 