Covered vs free

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Hi guys!

I went to the doctor recently to remove a mole, and I have a health insurance. The doctor said that the mole doesn’t look cancerous but if I want he can send it for biopsy. I asked if it’s covered by insurance and he said yes. Two weeks later I got a bill for $250 for biopsy. The bill said that the lab charge is $450 but insurance allows only $250; insurance pays 0 and I have to pay this bill. I called the insurance company and they said everything is right, I haven’t met my deductable ($500) so I pay the bill. Then I asked why the doctor said it’s covered? Insurance lady replied it IS covered, apparently in their insurance bullshet language the fact that I’m paying what insurance allowes means covered. Ta da.

I haven’t been at the doctors for like 6 years because I just didn’t have a reason to and this year I decided I’ll do some medical stuff since all these years I have been paying for the health insurance. And now I know why I was avoiding this for 6 years. I think it’s a complete scam to call such services “covered” when they are not, it should be called “discounted insurance price” or something along that line. “Covered” in a way they are using it is absolutely misleading and creates a wrong message to people who don’t work in medical field and not familiar with the special meaning insurance agents and doctors use.

Redditors, what do you think when you hear that “the service is covered”?

submitted by /u/bershia
[link] [comments]
Hi guys! I went to the doctor recently to remove a mole, and I have a health insurance. The doctor said that the mole doesn’t look cancerous but if I want he can send it for biopsy. I asked if it’s covered by insurance and he said yes. Two weeks later I got a bill for $250 for biopsy. The bill said that the lab charge is $450 but insurance allows only $250; insurance pays 0 and I have to pay this bill. I called the insurance company and they said everything is right, I haven’t met my deductable ($500) so I pay the bill. Then I asked why the doctor said it’s covered? Insurance lady replied it IS covered, apparently in their insurance bullshet language the fact that I’m paying what insurance allowes means covered. Ta da. I haven’t been at the doctors for like 6 years because I just didn’t have a reason to and this year I decided I’ll do some medical stuff since all these years I have been paying for the health insurance. And now I know why I was avoiding this for 6 years. I think it’s a complete scam to call such services “covered” when they are not, it should be called “discounted insurance price” or something along that line. “Covered” in a way they are using it is absolutely misleading and creates a wrong message to people who don’t work in medical field and not familiar with the special meaning insurance agents and doctors use. Redditors, what do you think when you hear that “the service is covered”?
submitted by /u/bershia [link] [comments]Read Morer/HealthInsurance

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