brad bear had a cold last week and he thought it was getting worse. Brad schedule a sick visit with his family doctor and it was a quick and easy level 2 office code (99212), no labs. His doctor submits charges for $60 and Brads insurance allow $40 for a (99212). Unfortunately Brad has not met his deductible. He only has $50 that went to his deductible from a dermatology appointment several months ago. Brad will owe $---- to his family doctor.