<prompt> Human: Hey guys, hoping for some help with this Denial, Reduction or Termination of Benefits letter my husband received. Neither of us has had insurance before so were struggling to understand this document and how everything works. My husband recently went in to get an annual physical and also for some side pain. These tests are from one of those visits, were not exactly sure which. The side pain -- doctor said he had to run a bunch of tests to see what the issue is. I dont know if this is normal, but it seems like a lot. I know it says it isnt a bill, but the claim will not be paid part looks scary. Husband called in to insurance and they said he is fine, he doesnt have to pay any of it, but were still worried. Here are the pages.  <response>: The relevant instructions are on page 2:As a Healthfirst member, you are not financially responsible for the above denied services. That means that the above listed provider cannot bill you for these services unless: 1 This provider told you that the above services were not covered by Healthfirst before you received the services. AND 2 You agreed in writing to pay for these services. If you receive any bill from this provider for these services, you should promptly file an Action Appeal. The next page tells you how to file an Action Appeal.So it looks like they are telling you not to pay, and they will work it out with the lab, and probably they will eventually pay the lab 234, the allowed amount. 