Hello–
I currently have a HSA Plan thru Anthem Blue Cross (which I believe is part of the “Blue” network). This is one of those plans where you pretty much have to pay for everything out of pocket and you get to keep an HSA account.
Eitherway, I was always cautious of going to the doctor because for anything I feel like i’d get charged for this reason. Eitherway, I haven’t done a physical in quite some time 3-5 years and I was always wary to do doctor visits for this purpose.
So I call my insurance and also speak with the office and mention hey I want to make sure everything is covered under the physical and we did. I go for my general doctors visit and they do the standard stuff and when the doctor asks me about my health I mention I may be having some symptoms for certain things. He then recommends a specialist and we do bloodwork. I call my insurance to make sure most bloodwork is covered and it is…good. I get the bloodwork done in the next few dayss
Eitherway, today I check my claims and learn that I am being charged 250+50 for the doctors visit plus bloodwork. I decide to call the office and also call the insurance company for a better explanation to all of this.
The doctor mentioned: For the bloodwork, I learn that they did additional tests that weren’t covered by insurance (how was I supposed to know?) such as a vitamin D, b12 , etc test. For the doctors visit, the doctor I guess noted that I felt certain symptoms and due to that they noted that this counts as now as a doctors visit and that they will charge it as a diagnostic visit.
I feel so utterly defeated, I spent so much time to try and make sure everything I had was covered and then realize I still got charged for it because I mentioned a symptom and they did tests I had no clue what were covered or not. The conversation was a total of maybe 30 sections to 5 minutes in total and due to that I’m getting charged near 250 bucks…The lady seemed to have very little bargaining power either and refused to code it as preventative…
I’m not sure what to do at this point and I don’t think I have any options. Makes me think, what is even the point of having this insurance if everytime I go to the doctor I’m just gonna get charged for mentioning the lightest thing for this much.
The lady filed an appeal based on what I said, but she mentioned not to hold my breath….So I’m not particularly sure what to do here. Do you guys have suggestions on some possible solutions to go for? I can maybe try calling back to billing to talk about “I didn’t know” but they may use “its the patient responsibility” line…
Thank you!
submitted by /u/DevChatt
[link] [comments]Hello– I currently have a HSA Plan thru Anthem Blue Cross (which I believe is part of the “Blue” network). This is one of those plans where you pretty much have to pay for everything out of pocket and you get to keep an HSA account. Eitherway, I was always cautious of going to the doctor because for anything I feel like i’d get charged for this reason. Eitherway, I haven’t done a physical in quite some time 3-5 years and I was always wary to do doctor visits for this purpose. So I call my insurance and also speak with the office and mention hey I want to make sure everything is covered under the physical and we did. I go for my general doctors visit and they do the standard stuff and when the doctor asks me about my health I mention I may be having some symptoms for certain things. He then recommends a specialist and we do bloodwork. I call my insurance to make sure most bloodwork is covered and it is…good. I get the bloodwork done in the next few dayss Eitherway, today I check my claims and learn that I am being charged 250+50 for the doctors visit plus bloodwork. I decide to call the office and also call the insurance company for a better explanation to all of this. The doctor mentioned: For the bloodwork, I learn that they did additional tests that weren’t covered by insurance (how was I supposed to know?) such as a vitamin D, b12 , etc test. For the doctors visit, the doctor I guess noted that I felt certain symptoms and due to that they noted that this counts as now as a doctors visit and that they will charge it as a diagnostic visit. I feel so utterly defeated, I spent so much time to try and make sure everything I had was covered and then realize I still got charged for it because I mentioned a symptom and they did tests I had no clue what were covered or not. The conversation was a total of maybe 30 sections to 5 minutes in total and due to that I’m getting charged near 250 bucks…The lady seemed to have very little bargaining power either and refused to code it as preventative… I’m not sure what to do at this point and I don’t think I have any options. Makes me think, what is even the point of having this insurance if everytime I go to the doctor I’m just gonna get charged for mentioning the lightest thing for this much. The lady filed an appeal based on what I said, but she mentioned not to hold my breath….So I’m not particularly sure what to do here. Do you guys have suggestions on some possible solutions to go for? I can maybe try calling back to billing to talk about “I didn’t know” but they may use “its the patient responsibility” line… Thank you! submitted by /u/DevChatt [link] [comments]Read Morer/HealthInsurance