Lisa Perez was seen in your office twice last fall. Her deductible has been met and her coinsurance is 85/15. In October, she was seen for influenza vaccination, and her insurance company was billed $13.00 for the vaccine and $9.00 for the administration of the vaccine. Lisa’s schedule of benefits for her indemnity insurance plan lists the influenza administration as being a covered service, but it does not include the actual vaccine. In December, Lisa had an office visit and had blood drawn to be sent to an outside lab; both these services are included in the schedule of benefits