I had been seeing a psychiatrist for several years through my parents health insurance plan (BCBS Minnesota). After turning 26, I purchased my own insurance plan through a different company (my current plan is UCare M Health Fairview Gold). On my clinic’s website, it lists UCare as one of the accepted insurances. I looked up my psychiatrist on UCare’s network directory for my specific plan, and she was listed as covered. I made an appointment at the clinic with my psychiatrist and gave the clinic my new insurance information, and they didn’t say anything.
After my appointment, I received a letter from Blue Cross Blue Shield saying that the clinic had billed them, but I was no longer covered (obviously). I called the clinic and asked why the appointment was billed to my old insurance and not the new one I gave them. They then informed me that they do not accept my specific plan under UCare, they only accept state-funded UCare plans. I asked why I was not informed of this when I gave them my new insurance information, and they said they didn’t know.
I called UCare to ask why my doctor was listed as covered when it seems like that is not the case. They said that whole clinic is not covered under my plan. I pointed out that my specific psychiatrist comes up as covered when I search her name in the directory. They confirmed that this is the case, but she is indeed not covered because that whole clinic is not covered. They said it is a mistake on their end that my doctor is listed as covered.
I took a video of me searching my psychiatrist’s name on the directory, so I have proof that there was a mistake. They have since removed her name from the directory.
The bill was $220 for the visit. Under my insurance plan, I’m only supposed to pay a $20 copay for all mental heath visits. How would I go about fighting this or figuring this out? Can I ask the clinic to send the bill to my insurance, even though they don’t accept that plan, and the appeal it? Or will the clinic not send the bill there because they don’t accept my plan?
submitted by /u/nalgenefiend
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I had been seeing a psychiatrist for several years through my parents health insurance plan (BCBS Minnesota). After turning 26, I purchased my own insurance plan through a different company (my current plan is UCare M Health Fairview Gold). On my clinic’s website, it lists UCare as one of the accepted insurances. I looked up my psychiatrist on UCare’s network directory for my specific plan, and she was listed as covered. I made an appointment at the clinic with my psychiatrist and gave the clinic my new insurance information, and they didn’t say anything. After my appointment, I received a letter from Blue Cross Blue Shield saying that the clinic had billed them, but I was no longer covered (obviously). I called the clinic and asked why the appointment was billed to my old insurance and not the new one I gave them. They then informed me that they do not accept my specific plan under UCare, they only accept state-funded UCare plans. I asked why I was not informed of this when I gave them my new insurance information, and they said they didn’t know. I called UCare to ask why my doctor was listed as covered when it seems like that is not the case. They said that whole clinic is not covered under my plan. I pointed out that my specific psychiatrist comes up as covered when I search her name in the directory. They confirmed that this is the case, but she is indeed not covered because that whole clinic is not covered. They said it is a mistake on their end that my doctor is listed as covered. I took a video of me searching my psychiatrist’s name on the directory, so I have proof that there was a mistake. They have since removed her name from the directory. The bill was $220 for the visit. Under my insurance plan, I’m only supposed to pay a $20 copay for all mental heath visits. How would I go about fighting this or figuring this out? Can I ask the clinic to send the bill to my insurance, even though they don’t accept that plan, and the appeal it? Or will the clinic not send the bill there because they don’t accept my plan?
submitted by /u/nalgenefiend [link] [comments]Read Morer/HealthInsurance