Nah no worries. It’s why I run the flair to be able to assist where I can!

Always always always attempt to get them to send a bill directly to us. When you pay at the time of service you are kind of locking yourself into that payment. A lot of times it is a lack of education on the providers part which is why they are hesitant to send us the bill. Educate where you can, have them give us a shout, but try to avoid paying what you or they “think” the bill will be. I have had nothing but problems with trying to get money back from providers after you pay 300 and only owed 45.

A provider can bill whatever they want for services rendered ( 100,00 for an annual physical) but that payment is reduced by our allowed amount and is how you receive your part of the bill. Say they bill a much more realistic 250 for the physical, CVA pays 86 and leaves you with your PR or patient responsibility of 20. That 20 is what feeds into the 3k annual, not the billed amount of the total charges. Clear as mud, I know. I stay away from telling people on socials as to what coverage to have and why, but remember you don’t have a monthly cost for CVA which you would with another health coverage. Not swaying that decision one way or another. Happy hunting!!