The answer in part depends on the type of insurance. If a Preferred Provider plan, the facility could only collect what it agreed with the insurance company was reasonable for its services. You would still be responsible for the deductible and the co-pay up to your maximum out of pocket per year. If it is an indemnity plan, which are rare these days, your insurer will only pay what it deems customary and reasonable for the service, but the provider will still demand to be paid its going rate. One interesting tidbit in Florida - absent a prior agreement, you can always challenge a medical provider's bill as being excessive and unreasonable, but given your insurer already had an agreement that won't be necessary.