“By going to the out-of-network urgent care and paying three hundred fifty dollars cash, he kept the visit entirely off your primary insurance record.”

He had gone out of network to avoid touching our main insurance and to hide what it really cost.

He knew that if he used the card, a statement would arrive at the house showing the huge deductible.

“There’s an unpaid lab fee of four hundred and twelve dollars from that visit,” Brenda said.

“That’s the first reason the account is frozen.”

“I can pay that part right now,” I said.