I have found that with a PPO you have to pay attention to the insurance statements (called EOBs, for Explanation of Benefits) to see how much your share of each charge is, then match them to the bills from the provider (doctor, hospital, lab) to make sure you aren't being billed for the amounts before insurance. I've been on the phone with the insurance company and/or the provider plenty of times, whenever their paperwork didn't agree with each other, but we always sort it out, sometimes simply by waiting for the next month's bill to reflect insurance payments that hadn't arrived yet.
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