Even tho I don't have to pay any of my doctor or hospital bill and my insurance covers it all, I still scrutinize my bills when I get them, and complain loudly when something is amiss. When I had back surgery last Dec, I was in the hospital for 4 days. When I got my printout from the hospital, I was charged for 4 days of physical therapy. I don't think so!!!!! The therapist finally came in on the 3rd day after I complained, since I couldn't get out of bed until the therapist cleared me to do so. She walked me down the hall, had me climb 4 steps, and then walked me back to my room. That was the extent of my therapy, and I was told since it was the weekend, therapy works with a reduced staff and that's all I would get. Well guess what - that's all my insurance has to pay for. There were also other charges on the bill that I had removed. It's amazing what these hospitals are getting away with, since most people never question the charges.