Legal Question in Credit and Debt Law in Pennsylvania

A colonoscopy for a $100????? Even $200 is a deal.

There are a whole lot of things that you do not relate here. Co-pays are not the end of the story. You co-pay if you have insurance. Then after you see the doctor or have a procedure done, the healthcare provider bills your insurance. Then if there is a balance owing you have to pay the balance. That is how it works. You don't have a second co-pay.

And when you have a procedure like this done, there are often separate bills - one from the facility, one from the doctor, one from the anaethesiologist etc.

What your girlfriend needs to do is take the bills and have them reviewed by a patient advocate to see if there are indeed duplicate charges. If there are, then those things should be taken off the bill. If coverage was denied by the insurance provider, your girlfriend would receive an EOB (explanation of benefits) form which would indicate what was paid and what was not.

If the charges are not duplicates, then the charges will stand. The healthcare provider is not obligated to reduce these. There may also be some sort of charity programs to help with the bill or arrangements can be worked out.