OK, so I have Blue Cross Blue Shield Federal Employees Program, but have never used it. So I don't have a clue of what all the jargon means and what to do. I recently got sick, so had to go to the hospital. The Dr. charged a co-payment of $20, and then sent me to the clinic for "services". They had some lab tests, and sent me a bill. The bill says that $431 were teh charges. it says adjustments -$245 Insurance paymewnts $72 and the balance due is $113 i called my insurance, they tried explaining things but I couldn't understand. why do i have to pay so much? they said tehre were diagnostic and preventive tests, and teh insurance covered a 100% of the preventive tests. they said the maximum allowance was like a $100 and they paid $72. they said my deductible was $113. what does all this mean? if i pay do i get anything reimbursed?