<p>As Oldfort pointed out with the pharmacy charges, there is also a two tier system for hospital charges. DH had outpatient surgery and the hospital billed $6400. The insurance company paid $350. We had a $75 copay. The hospital then stated on the bill that they were writing off the difference. It was eye opening! I now wonder what the insurance company is doing with the $1000/month we pay for health insurance if they aren’t reimbursing the providers at a higher rate.</p>