In addition to stating that the patient agrees to pay "all charges," including any remaining balance after insurance payments, the Catholic Health System form notes that not all the providers seen by the patient will be employed by the facility and that they may send separate bills. When a hospital refers to "charges," it often means its full list price, before any negotiated discount. Patients who are out of network or are seen by an out-of-network provider might be billed those full charges, minus any amount their insurer pays.