1 /5 Joey Leslie: Buyer beware! I went in for a flu test and received an insane bill for $600+ AFTER insurance was applied. Called Baptist and they said "Oh, you have to tell us to apply your Urgent Care Benefit...now your total is only $200." Definitely scrutinize your bill and give them a call to avoid overpaying. Because they seem to assume that you WANT to overpay if you dont call and tell them NOT to overcharge you.