Deleted
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Post by Deleted on Jul 17, 2017 17:35:44 GMT -5
Supposedly, I have good insurance. I broke my wrist at the end of January, had surgery, and then had therapy to restore function.
I carefully read my handbook. Physical and occupational therapy were both covered at 80%. If I used an out-of-network provider, I owed the additional. I called the insurance company to make certain that the therapist was in network. I even asked at my first session if this was covered. I was assured that it was.
The therapist suggested a second round and the orthopedic surgeon authorized it or whatever. I only didn't do it because someone else had taken my afterschool slot. I couldn't afford to miss more days so I did the same exercises at home since I knew what she was having me do.
The insurance company rejected the claim last week, saying that the diagnostic code submitted did not allow for the treatment provided. The hospital that provided the therapy sent me the bill today, asking for payment within 10 days. I did talk to the hospital's billing department today, and they told me to contact the provider and to have them resubmit the claim with the correct diagnostic code. The insurance company's customer service representative said they couldn't do that. We will see who is right.
I've temporarily stopped the hospital's clock at least. The power went out while I was on hold with the doctor's office so I will have to contact them again tomorrow.
$4500 is a lot of $$$ to me. I actually wouldn't have done therapy if I had known it wasn't covered. That is more than $500 a session. That's why I kept asking if it was covered.
Hopefully, I will get this resolved in my favor. If not, it totally wipes out my EF.
But there's good news. Since I refused the second round of therapy, I don't owe $9000.
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NoNamePerson
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Post by NoNamePerson on Jul 17, 2017 17:42:56 GMT -5
Long ago I broke my wrist roller skating. I got a "penalty" for not precertifying or something like that. I should have had the surgery preapproved. HELLO, I was in the emergency room since I went from skating rink to hospital. And it was around 10PM. I guess I could have gone home and sat around till Monday with my hand hanging down around my elbow
I did get them to remove it. To me insurance is one big black hole!!!!
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shanendoah
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Post by shanendoah on Jul 17, 2017 17:47:30 GMT -5
@bamafan1954 - The provider absolutely CAN resubmit with the correct code. But if the insurance company customer service person is being an idiot, ask to speak to their appeals department. Appeals are always run on a "reasonable" person standard, and every state I know of (and health insurance is on a state by state basis) requires that the insurance company have an appeals process, at no cost to the subscriber. Also, every state has an Office of the Insurance Commissioner (or similar title). You can contact them with your concerns, and they should be able to help walk you through the process.
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gooddecisions
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Post by gooddecisions on Jul 17, 2017 17:55:41 GMT -5
Yep sounds about right. I have had success using a benefits concierge at my company to help with issues like this.
It kills me when people say all you have to do is ask the doctors office, select in network and check with insurance and there should be no surprised. Wrong.
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milee
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Post by milee on Jul 17, 2017 17:58:49 GMT -5
Wow, what type of therapy was it that runs $500 a session? Wondering if there was some sort of additional DME like a bone stim device included in that or if it was just a regular hourlong session with a therapist?
Pricing can be weird for some things. I broke my pinkie finger around the same time you broke your wrist (I know, not comparable in terms of inconvenience, just mentioning it because the doc wanted me to get the cast done at a place that does PT.) Anyway, long story short - the cast and any PT was going to be more if I ran it through the insurance company's negotiated rates - I have a $6k deductible so would be paying 100% of the negotiated rate - so I just asked them to bill me as a cash patient with no insurance. It was pretty reasonable to pay as a cash patient. Cash price was under $50 an hour including the molded cast but the negotiated rate was over $100 and would have required getting insurance approval.
But there's no reason that the provider shouldn't be able to resubmit the bill with a corrected DX code. Those sort of errors happen and aren't usually a big deal to fix. They'll recode, resubmit and get paid.
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Post by Deleted on Jul 17, 2017 17:59:55 GMT -5
@bamafan1954 - The provider absolutely CAN resubmit with the correct code. But if the insurance company customer service person is being an idiot, ask to speak to their appeals department. Appeals are always run on a "reasonable" person standard, and every state I know of (and health insurance is on a state by state basis) requires that the insurance company have an appeals process, at no cost to the subscriber. Also, every state has an Office of the Insurance Commissioner (or similar title). You can contact them with your concerns, and they should be able to help walk you through the process. Thanks for the info. This has me all tense and upset. What is the purpose of having insurance when something necessary isn't covered? What is the point of the benefits booklet if it gives misleading information? What is the point of calling the insurance company to ask if someone is in network if it isn't covered? What is the point of asking when receiving services if it is covered when it isn't? There is nothing I could have done differently. That is what irks me. Oh, wait, I could have NOT tripped and broke my wrist. Why didn't I think of that?
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Post by Deleted on Jul 17, 2017 18:02:47 GMT -5
Wow, what type of therapy was it that runs $500 a session? Wondering if there was some sort of additional DME like a bone stim device included in that or if it was just a regular hourlong session with a therapist?
Pricing can be weird for some things. I broke my pinkie finger around the same time you broke your wrist (I know, not comparable in terms of inconvenience, just mentioning it because the doc wanted me to get the cast done at a place that does PT.) Anyway, long story short - the cast and any PT was going to be more if I ran it through the insurance company's negotiated rates - I have a $6k deductible so would be paying 100% of the negotiated rate - so I just asked them to bill me as a cash patient with no insurance. It was pretty reasonable to pay as a cash patient. Cash price was under $50 an hour including the molded cast but the negotiated rate was over $100 and would have required getting insurance approval.
But there's no reason that the provider shouldn't be able to resubmit the bill with a corrected DX code. Those sort of errors happen and aren't usually a big deal to fix. They'll recode, resubmit and get paid. Nope. Nothing special. You know that inflated price they put on Estimates of Benefits where the insurance company pays 10-25%? Well, if the insurance company denies it, you are charged the FULL inflated price. I'm hoping to pay a "cash" price if I can't get it covered. However, the CSR suggested it would be fraud to adjust the diagnostic code to match the treatment.
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milee
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Post by milee on Jul 17, 2017 18:03:59 GMT -5
Don't get tense and upset over it yet. It really shouldn't be a big deal for them to recode and resubmit. Give them a chance to do that and if that doesn't work, then maybe get a little upset as you continue to work through it. But not yet... it's just a simple mistake and can be fixed. Billing is complicated and stuff like this happens. Give it a little more time to work though before being worried. Really.
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milee
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Post by milee on Jul 17, 2017 18:07:54 GMT -5
Wow, what type of therapy was it that runs $500 a session? Wondering if there was some sort of additional DME like a bone stim device included in that or if it was just a regular hourlong session with a therapist?
Pricing can be weird for some things. I broke my pinkie finger around the same time you broke your wrist (I know, not comparable in terms of inconvenience, just mentioning it because the doc wanted me to get the cast done at a place that does PT.) Anyway, long story short - the cast and any PT was going to be more if I ran it through the insurance company's negotiated rates - I have a $6k deductible so would be paying 100% of the negotiated rate - so I just asked them to bill me as a cash patient with no insurance. It was pretty reasonable to pay as a cash patient. Cash price was under $50 an hour including the molded cast but the negotiated rate was over $100 and would have required getting insurance approval.
But there's no reason that the provider shouldn't be able to resubmit the bill with a corrected DX code. Those sort of errors happen and aren't usually a big deal to fix. They'll recode, resubmit and get paid. Nope. Nothing special. You know that inflated price they put on Estimates of Benefits where the insurance company pays 10-25%? Well, if the insurance company denies it, you are charged the FULL inflated price. I'm hoping to pay a "cash" price if I can't get it covered. However, the CSR suggested it would be fraud to adjust the diagnostic code to match the treatment. I honestly think there was just a miscommunication between you guys. She misunderstood the details. She's right that it would be fraud to adjust the DX code if the DX code originally billed was correct. But based on what you've described, the code originally billed was an error and of course it's OK to correct an error. You suffered a legit injury and had SX that required PT, a fact that the insurance company acknowledged by giving you preauth. That implies the correct DX code supports PT.
I think this will be OK. Just keep working through it. The provider will have seen this before and know how to fix and resubmit. They want to get paid, too. It will work out, even though it's frustrating you have to be involved in correcting their error. Frustrating.
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billisonboard
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Post by billisonboard on Jul 17, 2017 18:09:33 GMT -5
And sometimes - I am covered under my wife's insurance. Her ex-husband was covered when they were married and he and I have the same first name. When I had a heart stent put in, the huge hospital bill was disapproved - under his name. I called them and explained the problem. I said something like, "I could ...". The claims person cut me off and informed me that I had been through enough and that she would solve the problem and get it paid without any need for me to do anything else.
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Post by Deleted on Jul 17, 2017 18:11:54 GMT -5
Don't get tense and upset over it yet. It really shouldn't be a big deal for them to recode and resubmit. Give them a chance to do that and if that doesn't work, then maybe get a little upset as you continue to work through it. But not yet... it's just a simple mistake and can be fixed. Billing is complicated and stuff like this happens. Give it a little more time to work though before being worried. Really. I can't help it. We have had A LOT of medical expenses in the last couple of months. DH had an emergency abscessed tooth extraction at $1700. He did a total mouth extraction at $3800. Then we paid $2000 for dentures. Our EF is about wiped out. I'm actually glad that DH did the extractions/dentures although I wish he would wear them. He's not eating, though, which is really stressing me as well. It will be ok. I mean, I have the money in my retirement funds. I am 63 so I can do a withdrawal, etc. I just don't want to. We are much more fortunate than many people in similar situations. And I keep reminding myself that it isn't $9000. It really could have been. She was convinced I needed additional therapy, she convinced the orthopedic that I needed it, and it only didn't happen because I just couldn't take two days off every week for a month. So I keep telling myself that to feel better.
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giramomma
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Post by giramomma on Jul 17, 2017 18:14:39 GMT -5
We went to an HDHP/HSA plan the past few years. Last year, we didn't need it.
Now that I really need insurance, trying to figure out how much treatment to cost, and what treatment should be expected...it's been a huge shit show.
My Drs want to hand out tests like candy to cute kids on Halloween..without real explanation why.
When there's a "recommended" test that the drs want you to take ..the drs all tell you "ooohh don't worry. Insurance will absolutely cover it.!" Insurance tells "You, well, it's not really automatically approved, because we don't assume that it's a necessary test."
Then you ask your insurance, OK..so let's say it's covered..can you ballpark how much it will cost me? And of course, you don't get a straight answer.
So your choices are to take the test and risk that you'll be stuck with a bill ranging from an amount you guess based on your intuition to 7K or forgo testing.
I opted to forgo the testing and just go for "good enough."
ETA: Today I ended up getting another diagnostic test that wasn't very well explained to me at all. I'm not sure I would have consented if I didn't understand the reasons why.
Unfortunately...I didn't realize what was going on until after they took my blood. They also sent a MA to come try to deal with my questions. Who, when I was blunt, looked horrified at me. (I asked if this testing was standard testing or if it was because I was over 40 and obese. She replied "ohh, I see all kinds get baselines incase of pre-eclampsia." Which did not answer my question.
So now I have the pleasure of dealing with nursing, again, to see why they suggested this test. Because no one has explained it to me.
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Post by The Walk of the Penguin Mich on Jul 17, 2017 18:17:58 GMT -5
If you can go through surgery and treatment without at least one snafu, you are doing well. During my year, I had probably a dozen appeals going at the same time. I had so many that I had a form that I just changed the details.
Don't panic. IME, when you send an official appeal, the clock stops. All you have to do is make sure the proper stuff gets done. It is a PITA to straighten out though.
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Ava
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Post by Ava on Jul 17, 2017 18:19:57 GMT -5
Don't get tense and upset over it yet. It really shouldn't be a big deal for them to recode and resubmit. Give them a chance to do that and if that doesn't work, then maybe get a little upset as you continue to work through it. But not yet... it's just a simple mistake and can be fixed. Billing is complicated and stuff like this happens. Give it a little more time to work though before being worried. Really. I can't help it. We have had A LOT of medical expenses in the last couple of months. DH had an emergency abscessed tooth extraction at $1700. He did a total mouth extraction at $3800. Then we paid $2000 for dentures. Our EF is about wiped out. I'm actually glad that DH did the extractions/dentures although I wish he would wear them. He's not eating, though, which is really stressing me as well. It will be ok. I mean, I have the money in my retirement funds. I am 63 so I can do a withdrawal, etc. I just don't want to. We are much more fortunate than many people in similar situations. And I keep reminding myself that it isn't $9000. It really could have been. She was convinced I needed additional therapy, she convinced the orthopedic that I needed it, and it only didn't happen because I just couldn't take two days off every week for a month. So I keep telling myself that to feel better. Susana; Do every thing you can to get this solved. And try to stay calm. I know, easier said than done. Breathe. I also get heart palpitations when I open a doctor's or a lab's bill.
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milee
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Post by milee on Jul 17, 2017 18:20:01 GMT -5
I don't mean you shouldn't worry because you can afford it, I mean don't worry because unless there's a heck of a lot more to this story, you won't have to pay for it. You know me, I'm not a sunshiny person, if I thought you were going to be on the hook, I'd tell you... but I don't think that.
The system for coding diagnosis is incredibly complicated. So complicated that when it was mandated a couple of years ago, scores of medical coders and billers retired rather than learn the new system (think it went from something like 10k codes to over 50k codes.) It is so complicated and detailed that people joke that there is a different code for if a person is bitten by an African Grey parrot or by a Macaw, for example (made up example, but you get the idea.) Someone at the PT office just selected the wrong code or there was a typo when they were coding. It will not be a big deal for them to re-select the code and resubmit to the insurance company. Even before the new, complicated coding system this was common and not a big deal to correct.
There is no way in Hades you will owe $4500. You'll have some hassle monitoring it and making sure it gets recoded, resubmitted and paid, but that should be it.
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wvugurl26
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Post by wvugurl26 on Jul 17, 2017 18:31:59 GMT -5
I don't mean you shouldn't worry because you can afford it, I mean don't worry because unless there's a heck of a lot more to this story, you won't have to pay for it. You know me, I'm not a sunshiny person, if I thought you were going to be on the hook, I'd tell you... but I don't think that.
The system for coding diagnosis is incredibly complicated. So complicated that when it was mandated a couple of years ago, scores of medical coders and billers retired rather than learn the new system (think it went from something like 10k codes to over 50k codes.) It is so complicated and detailed that people joke that there is a different code for if a person is bitten by an African Grey parrot or by a Macaw, for example (made up example, but you get the idea.) Someone at the PT office just selected the wrong code or there was a typo when they were coding. It will not be a big deal for them to re-select the code and resubmit to the insurance company. Even before the new, complicated coding system this was common and not a big deal to correct.
There is no way in Hades you will owe $4500. You'll have some hassle monitoring it and making sure it gets recoded, resubmitted and paid, but that should be it. There are some totally crazy codes in ICD-10. I agree it's probably a billing mistake. My PCP billed for zoster instead of varicella. It was of course kicked out due to my age. Turns out they are side by side on the doctor's screen. They had the lot information to verify I did get varicella. It took me several months to fix it. Finally one of the parties called the other and it got fixed.
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Deleted
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Post by Deleted on Jul 17, 2017 18:33:40 GMT -5
I don't mean you shouldn't worry because you can afford it, I mean don't worry because unless there's a heck of a lot more to this story, you won't have to pay for it. You know me, I'm not a sunshiny person, if I thought you were going to be on the hook, I'd tell you... but I don't think that.
The system for coding diagnosis is incredibly complicated. So complicated that when it was mandated a couple of years ago, scores of medical coders and billers retired rather than learn the new system (think it went from something like 10k codes to over 50k codes.) It is so complicated and detailed that people joke that there is a different code for if a person is bitten by an African Grey parrot or by a Macaw, for example (made up example, but you get the idea.) Someone at the PT office just selected the wrong code or there was a typo when they were coding. It will not be a big deal for them to re-select the code and resubmit to the insurance company. Even before the new, complicated coding system this was common and not a big deal to correct.
There is no way in Hades you will owe $4500. You'll have some hassle monitoring it and making sure it gets recoded, resubmitted and paid, but that should be it. You are right, Milee. I am just OCD sometimes when it comes to stuff like this. I am reminding myself to breathe. Truly.
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NoNamePerson
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Post by NoNamePerson on Jul 17, 2017 19:01:00 GMT -5
One other thing that was a blip in my insurance with the broken wrist. The whole anesthesiologist bill was rejected for the reason "fee was excessive for the geographical area" Guess I should have gotten someone from another city/state to come in??
I was fortunate enough that I have a good friend in the nursing profession and she told me what to do about that and then went thru my whole bill from hospital, docs and such.
I have used Medicare once since going on it and thankfully that went smooth but it wasn't a bigger.
Take deep breath and it will get worked out but it is truly a huge pain in the butt but I eventually got mine handled.
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Post by Deleted on Jul 17, 2017 19:52:10 GMT -5
If it was me I would not just sit back and wait for this to all get sorted out. Since your claim was denied you are now under the appeal process for the claim. You MUST appeal the denial of the claim within the TIME LIMIT in your insurance contract. You need to carefully follow all the steps in your policy to appeal the denial. I agree that you can probably resubmit the claim under the proper diagnostic code. But while doing this IF IT WAS ME, I would file my appeal under the policy terms to preserve my rights. Otherwise the next thing that is going to happen to you is the insurance company will claim that you did not appeal your denial of the claim and now have no right to dispute the denial. You cant just sit back and wait and end up being the victim. File your appeal to preserve your rights and at the same time get the bill resubmitted under the proper code. If they refuse to accept the revised billing, appeal that rejection too. I actually appealed as soon as they denied it because the CSR told me that the claim couldn't be resubmitted. I don't know if that was a good idea or muddied the waters. I did mention in the appeal that the CSR said it couldn't be resubmitted even though the code was wrong; I didn't said why she said that. I keep trying to breathe. I am a very proactive person so this is not my style. So I have to keep reminding myself to breathe. Lol.
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justme
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Post by justme on Jul 17, 2017 19:53:49 GMT -5
It sounds less like an issuance issue and more of a coding issue. Which is your provider fucking up. I've been to a lot of different pt places...to me the good ones are the ones that know insurance and at my first appt they've already contacted my insurance and I show up and they tell me how much I'll owe and everything. They also don't wait that long to file.
My mom has had a problem where they coded the diagnosis as the reason why and the diagnosis wasn't covered. So it took her some time to get them to correct it and cover it.
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saveinla
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Post by saveinla on Jul 17, 2017 20:11:47 GMT -5
SS, If you have Health Advocate as part of your benefits, you can contact them and they will help to resolve this issue easily. They will speak with the insurance company and the billing people and get this resolved.
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resolution
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Post by resolution on Jul 17, 2017 20:25:33 GMT -5
My coworker is still trying to get an $18,000 bill sorted out for the baby she had a few months ago. Her first baby cost $15, which is what this one should have cost with our insurance, but insurance keeps denying it even though the hospital and all the doctors are in network. Apparently that baby didn't need to come out after all.
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CCL
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Post by CCL on Jul 17, 2017 20:36:39 GMT -5
Did you ask what code they submitted?
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Artemis Windsong
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Post by Artemis Windsong on Jul 17, 2017 21:01:53 GMT -5
I have a broken wrist. So far medicare has paid. The osteoperosis screening has me nervous. So far blood draw and 24 hour urine gathering to see if calcium in my urine. DEXA next.
I don't know how to find out cost of PT. Or what is involved. One person says they had no PT. No one I talked to said they had PT.
I hope your issues resolve quickly and easily.
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Post by Deleted on Jul 17, 2017 21:12:42 GMT -5
Did you ask what code they submitted? They read the diagnosis to me, which sounded vaguely correct. I didn't say that because it wasn't the diagnostic code to receive services. With a broken wrist, you don't really break the "wrist." You break bones in the arm. For a wrist, the break is in the upper area. I read all this when I was trying to figure out why my thumb was numbed. But I am not a coder. I am a patient.
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Rukh O'Rorke
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Post by Rukh O'Rorke on Jul 18, 2017 9:21:00 GMT -5
"You only think you have insurance "
Thankfully - we've not had anything other than routine office visits and screening tests. I dread if anything happens and then not only are you sick or hurt - but fighting with these payment issues.
Insurance companies don't want to pay and it is in their best interests not to. Not a good system for the patients.
Hope you get this resolved quickly, and feel better soon!
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dannylion
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Post by dannylion on Jul 18, 2017 9:41:13 GMT -5
Of course you can resubmit the claim if there was a coding error. It happens all the time. Your provider should know how to submit a corrected claim as it is certain this is not the first time this has happened.
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hoops902
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Post by hoops902 on Jul 18, 2017 9:41:38 GMT -5
The more you deal with insurance, the more you'll realize the bills they send you and the explanations they give you are meaningless. I'd never had to deal with it before since I'm a man and I don't ever go to the doctor...but after having a kid...we prepaid part of the delivery bill beforehand. We paid a bill about a month later that basically covered it all. Then we started getting the random bills. I paid the first one (like $70). Then we kept getting them for $70. Every time I called and asked, and every time they tell me "no no, that bill is wrong, sorry, you actually have a $70 credit we need to refund". Every month I get another bill (showing that they removed the previous month's charges due to error, but then adding back in the same amount on a new incorrect charge). Every month I call because I'm OCD like that and getting the same explanation. Last month we got a new bill for the full amount of the birth, even though we'd already paid it...apparently someone trying to fix my $70 credit did some change that caused a "resubmission" of the original birth bill with no records to show that we had ANOTHER baby.
On the flipside, I went to an out of network provider a few times for some things recently, got the billing via insurance, paid it via my HSA. They sent checks to the provider, the provider never cashed them, and so now they've cancelled the checks because it's been so long. I figured I'd just wait until the provider came knocking for payment directly to me (they never sent anything initially, just had my insurance info). Been months now and have never gotten a bill from the provider.
One group just keeps telling me to pay them money even though THEY owe ME. Another group is making it impossible for me to pay them the money that I owe THEM. Thank GOD I'm not living paycheck-to-paycheck, I can't imagine the stress/hassle of it all. As it is now it's rather easy to just sit here and let them sort out their own issues, if their decisions were affecting whether my bank account balance would dip negative I can't imagine how stressed I'd be.
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NomoreDramaQ1015
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Post by NomoreDramaQ1015 on Jul 18, 2017 9:48:54 GMT -5
We had a billing error work in our favor once. I am pretty sure hell froze over when it happened. CHI could not figure out how to properly bill our insurance for DH's MRI. They sent us the full bill for $6k instead. I opened it and realized taht wasn't correct because even if we screwed up and went out of network we would only owe $3k of that bill. So we called BCBS, they told us that the provider billed incorrectly and they had kicked it back to them to resubmit. BCBS said CHI should not have been sending us a bill, do not pay any claims they try to send to you. They submitted it wrong again, we called BCBS again. The THIRD time this happened BCBS put DH on conference call with the provider and walked the billing department step by step thru how to properly submit the claim. They still did it wrong! Apparently there is a clause in the contract that if they don't bill properly within a certain time period not only do they not get paid by BCBS but WE do not have to pay either. CHI had to eat the entire bill. When it comes to medical billing and insurance the squeaky wheel gets the grease. Do not pay anything until you have made sure you are billed correctly. I stand my ground. I have insurance and you need to bill them properly. I am not paying you a damn dime until you do your job. They will try to intimidate you, but don't back down. YOU did nothing wrong. Your insurance company and provider need to do their jobs. Unfortunately it often falls onto the patient to hold them accountable.
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alabamagal
Junior Associate
Joined: Dec 23, 2010 11:30:29 GMT -5
Posts: 8,116
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Post by alabamagal on Jul 18, 2017 11:07:31 GMT -5
The more you deal with insurance, the more you'll realize the bills they send you and the explanations they give you are meaningless. I'd never had to deal with it before since I'm a man and I don't ever go to the doctor...but after having a kid...we prepaid part of the delivery bill beforehand. We paid a bill about a month later that basically covered it all. Then we started getting the random bills. I paid the first one (like $70). Then we kept getting them for $70. Every time I called and asked, and every time they tell me "no no, that bill is wrong, sorry, you actually have a $70 credit we need to refund". Every month I get another bill (showing that they removed the previous month's charges due to error, but then adding back in the same amount on a new incorrect charge). Every month I call because I'm OCD like that and getting the same explanation. Last month we got a new bill for the full amount of the birth, even though we'd already paid it...apparently someone trying to fix my $70 credit did some change that caused a "resubmission" of the original birth bill with no records to show that we had ANOTHER baby.
On the flipside, I went to an out of network provider a few times for some things recently, got the billing via insurance, paid it via my HSA. They sent checks to the provider, the provider never cashed them, and so now they've cancelled the checks because it's been so long. I figured I'd just wait until the provider came knocking for payment directly to me (they never sent anything initially, just had my insurance info). Been months now and have never gotten a bill from the provider.
One group just keeps telling me to pay them money even though THEY owe ME. Another group is making it impossible for me to pay them the money that I owe THEM. Thank GOD I'm not living paycheck-to-paycheck, I can't imagine the stress/hassle of it all. As it is now it's rather easy to just sit here and let them sort out their own issues, if their decisions were affecting whether my bank account balance would dip negative I can't imagine how stressed I'd be. I'm surprised that pregnancy is covered by your insurance My DD get entered into my former health insurance as male. Apparently the insurance company allowed her to get one months of birth control pills and denied payment for the 2nd month. She got a funny look from the pharmacy when she had to pay for them. We got it straightened out though.
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