my son busted his head open at school last year, nearly 8 months later i finally get the bill. last i knew, we had a $100 e.r. co pay, so when i open the bill and see what they're actually billing me for i was slightly upset. since ive had so many problems with their billing, i was furious as i was calling them to tell them they yet again screwed up on my bill. according to them, everything was correct. so i called the insurance, just knowing they were going to tell me they hadn't paid everything yet.... i was wrong. as of 1/07, our co payment has now gone up to $250 dollars. ok if my son banged his head in 06, why was i not charged the $100?? is it not retro active??