<prompt> Human: My wife had a baby last year, but there were some complications with the pregnancy that called for extra testing the baby has since been born and couldnt be healthier. But insurance wouldnt cover the extra tests, so we ended up paying out of pocket. This was in April of 2016. Then a few days ago, we receive a check in the mail from my wifes doctor for almost 2k, with absolutely no explanation except a date of service. Im having a hard time imagining how this could be a scam, but Ive never received an unsolicited refund check with no explanation, so it feels strange. We plan to call the doctors office for an explanation, but wanted to see if this was normal and if anyone else had a similar experience?  <response>: Theres a good chance that your insurance had a deductible on it; and the refund check is generated because once you reach a that threshold, your insurance will pay a percentage of your bill. I had surgery in March and my deductible was 1200. I paid my doctor 1000 up front and recently got a refund - this is because the deductible applies across all medical providers its per insurance, not per doctor and the other people who I paid aneasthetist, surgical center etc all counted against that deductible. I would recommend getting a statement from your doctor, and if most insurance companies will have an online portal thatll list of claims that have made. 