Why did I get a bill from a medical facility if I have health insurance?

You may have received a bill from a medical facility because you have not met your deductible or need to pay your co-pay. The deductible is the amount you have to pay before the insurance company starts paying for your insurance benefits. The co-pay is the amount you have to pay that is not covered by your insurance plan. Review your plan documents to understand what your deductible and co-pays are.