[EnVe46]

I sell health insurance so maybe I can help... Have you got an EOB or Explanation of Benefits from your insurance company? Even if you have a high deductible, the bill still needs to be sent to your insurance company so they can apply their negotiated rate for being within the hospitals network. This should reduce that bill quite a bit. Also, $800 is not enough for an MRI these days, so whatever figure they're giving you upfront is a bonus to them. A lot of Drs and hospitals are charging fees upfront due to majority of plan reimbursing on such a low basis. To prevent that form happening, ensure that ALL bills, even non covered expenses, first go to your insurance company. Not only for repricing but so they can be applied to your deductible. If they aren't sent to them first and you pay it, they have no record of you paying anything towards your out of pocket.