Plan math mismatch
Deductible met. Coinsurance was 0%. So why was $45 collected?
A routine X-ray came with a routine $45 payment at the desk. The plan math said the patient responsibility was already zero.
Deductible statusMet
Coinsurance0%
Patient overpaid$45
What happened
1
The charge felt ordinary
The patient paid $45 for an X-ray, the kind of small, plausible charge most people do not question.
2
The coverage rules said the share was zero
The deductible was already met and the in-network coinsurance for that service was 0%. Together, those two facts made the correct patient share $0.
3
A small payment became a clear discrepancy
The system flagged the $45 as paid more than owed, creating a specific refund issue instead of leaving it buried in routine paperwork.
Small overpayments repeat because they are too easy to ignore by hand.
How do we know
It tracks the plan math continuously.
Insured Guard keeps a running view of deductible and out-of-pocket status, then applies the service-level plan rules. Once the deductible is met and coinsurance is 0%, a collected payment stands out immediately.