<prompt> Human: My mom got a bill for 1500 co-insurance on an implantable cardiac monitor to monitor an arrhythmia. Parents always dicuss all costs and copaymentscoinsurance before any procedures because they are broke. She was told she had to pay 383 to meet her yearly deductible and insurance would cover the rest. A month later this bill. My mom works full time for low wages, my dad is underemployed. They cannot afford a 1500 bill. Weve called the hospital billing office and they explained insurance covered 8500, she had to pay her copay and she had this coinsurance no one told her about. Billing office says it doesnt matter what she was told, she owes the co-insurance.Shes extremely angry right now because she got the monitor based on the 383 cost, but she was a month short of qualifying for Medicare which would have covered the whole thing without an out of pocket cost for her beyond the cost of the Medicare Part B payment and this was an actual conversation she had with the doctor, of whether itd be okay to wait for the implant because sadly, money is an issue when making healthcare decisions. TLDR: Parent go a surprise co-insurance bill after the fact and they cant afford to pay.  <response>: Your mothers insurance policy is a contract between her and her insurance provider. The doctors office is not a party to this contract, they have no responsibility to be familiar with it, and no authority regarding it. 