So I’m frustrated to say the least. I have BCBS where I pay 15% and my employer pays the rest to the tune of around $10,000 a year in total, which is absurd but beside the point. I’ve had 5 physicals and 2 fasting bloodwork labs, as well as a minor in-patient cyst removal from my neck in 7 years of coverage. All I’ve ever paid was a $10 deductible for the surgery and nothing for the yearly physicals and labs. So I see my PA for the first time in 2 years and after discussing some pain issues, she schedules an upper right quadrant ultrasound. All through the process, the medical group I attend asks if I still have the same insurance, and “no, we don’t need your card, it’s all right here on the computer system” yada yada yada. All of this in the same building, mind you. So I went and got my ultrasound, the check-in nurse again asks if I’m still employed with the same entity and covered by their group plan. Yup, yada yada yada. I go through with the procedure with nobody saying anything about network coverage.
So today I get a bill saying the doctor who read the ultrasound is out-of-coverage and I’m responsible for the bill. At no time did anyone mention this, and from previous experience I assumed situation normal, ya know? So I’m pissed as almost $70,000 have been spent by me and for me and all they’ve paid is a few hundred dollars for bullshit (beside the neck surgery dude, good guy, and it was a necessity).
I’ve rambled long enough. What is my next step? Do I have any recourse or am I stuck with the bill?
submitted by /u/Murslak
[link] [comments]
So I’m frustrated to say the least. I have BCBS where I pay 15% and my employer pays the rest to the tune of around $10,000 a year in total, which is absurd but beside the point. I’ve had 5 physicals and 2 fasting bloodwork labs, as well as a minor in-patient cyst removal from my neck in 7 years of coverage. All I’ve ever paid was a $10 deductible for the surgery and nothing for the yearly physicals and labs. So I see my PA for the first time in 2 years and after discussing some pain issues, she schedules an upper right quadrant ultrasound. All through the process, the medical group I attend asks if I still have the same insurance, and “no, we don’t need your card, it’s all right here on the computer system” yada yada yada. All of this in the same building, mind you. So I went and got my ultrasound, the check-in nurse again asks if I’m still employed with the same entity and covered by their group plan. Yup, yada yada yada. I go through with the procedure with nobody saying anything about network coverage. So today I get a bill saying the doctor who read the ultrasound is out-of-coverage and I’m responsible for the bill. At no time did anyone mention this, and from previous experience I assumed situation normal, ya know? So I’m pissed as almost $70,000 have been spent by me and for me and all they’ve paid is a few hundred dollars for bullshit (beside the neck surgery dude, good guy, and it was a necessity). I’ve rambled long enough. What is my next step? Do I have any recourse or am I stuck with the bill?
submitted by /u/Murslak [link] [comments]Read Morer/HealthInsurance