I had a lot of doctor bills from an auto accident. About $80,000 worth. Then, about $70,000 from cancer treatment. A very bad year. On the accident, the doctors billed my HMO because the guy who caused the accident initially denied liability. Now that he admits liability, they are willing to settle. My HMO policy says I have to reimburse them for any expenses they paid on my behalf that are reimbursed to me by the wrongdoer. I know that doctors and hospitals negotiate reduced fees with HMO's. I have seen about $80,000 in bills, but have never seen what the HMO actually paid. Is the amount billed by the doctors and hospitals what they normally charge or is it what they will get paid by the HMO (that is, the amount they negotiated for?). This is important, because if I actually owe $80,000 I will want a bigger settlement than if I owe something more like $40,000. If any of you have dealt with a similar problem, I would appreciate your help. Or, is it possible any of you work for a doctor or HMO? Shame on you if you work for an HMO.