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How is the patient responsibility portion of a bill factored into the contracted amount a physician agrees to accept for a specific service? For example, if a physician contracts with an insurance company to accept $100 for a specific service and the patient copay is $10, does the insurance pay $100 and the patient $10, for a total of $110? Assume there is no co-insurance such as 80/20 in this case, just a co-pay.


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