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Claimant's opinion: Unfair policy
Is $200 your co-pay or the entire bill for the office visit?
If you have insurance, and Midland Orthopedic Associates takes it, then they'd be within their rights to ask for the co-pay up front but I don't see the necessity for paying for the entire office visit. Unless your doc charges $2,000 per visit (!!) it seems as if they want the whole lot upfront, which seems pretty unreasonable.
Did BCBS slow-pay the last bill? Or could Midland not verify your insurance? It doesn't sound like it because you say that BCBS contacted Midland. What did BCBS report back to you about that call?
Why did you have $184 owing? Unfortunately, if your last bill went unpaid, with no effort to make arrangements to pay, then I can understand why they might not be too trusting. Trying to collect on unpaid bills adds a lot to admin costs.
I hope this is worked out. It is a shame that the availability of good care is complicated by a constant tug of war over costs.
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