These are terms used to describe the amounts the insurance companies make up as charges for a specific procedure. These rarely reflect true numbers. Unfortunately, these numbers make it seem like the doctor is charging more than they should. Fortunately for our patients, Dr. Merlino had an independent study done on what the most common charges are for specific procedures in the area. Her charges were much lower than the 40th percentile (as low as the study showed.) Therefore, as a patient of Dr. Merlino, you can be sure that you will not be taken advantage of financially. The study is available upon request.