My 2 month old son ended up with bowel obstruction due to a hernia which led to surgery. We immediately brought him to our local ER in Northwest Indiana when he began to show signs of illness, and there they found that the issue was bowel obstruction and informed us that he would need to be transferred to Comer Children’s Hospital in Chicago, which is exactly 19 miles away from the ER we were at. The ambulance company (which does not have a contract with our insurance company and was therefore considered out-of-network) billed our insurance for $7,075 but my insurance stated they enhanced the claim to in-network, and were therefore able to cover $2,900 of the bill. The ambulance company is stating that we are responsible for covering the balance of the bill, which is $4,175.
A quick back story: my son was born premature at 30 weeks and 3 days and spent 40 days in the NICU. He was born in December and was discharged in January so we had to pay the $3,800 insurance deductible for him twice. We also had to pay the deductible for me for the birth which was another $3,800. So we’re already paying $11,400 in medical bills and simply cannot afford another $4,175. From what I’ve read, there is no legal protection against surprise billing in Indiana for ground ambulance services. We are in the process of appealing this with our insurance in hopes they will cover the remainder of the bill, but if that falls through I’d like to be prepared for alternative measures we can take. Has anyone experienced anything similar or have any suggestions as to what some other options may be?
Thank you in advance for any help
submitted by /u/carrot163
[link] [comments]
My 2 month old son ended up with bowel obstruction due to a hernia which led to surgery. We immediately brought him to our local ER in Northwest Indiana when he began to show signs of illness, and there they found that the issue was bowel obstruction and informed us that he would need to be transferred to Comer Children’s Hospital in Chicago, which is exactly 19 miles away from the ER we were at. The ambulance company (which does not have a contract with our insurance company and was therefore considered out-of-network) billed our insurance for $7,075 but my insurance stated they enhanced the claim to in-network, and were therefore able to cover $2,900 of the bill. The ambulance company is stating that we are responsible for covering the balance of the bill, which is $4,175. A quick back story: my son was born premature at 30 weeks and 3 days and spent 40 days in the NICU. He was born in December and was discharged in January so we had to pay the $3,800 insurance deductible for him twice. We also had to pay the deductible for me for the birth which was another $3,800. So we’re already paying $11,400 in medical bills and simply cannot afford another $4,175. From what I’ve read, there is no legal protection against surprise billing in Indiana for ground ambulance services. We are in the process of appealing this with our insurance in hopes they will cover the remainder of the bill, but if that falls through I’d like to be prepared for alternative measures we can take. Has anyone experienced anything similar or have any suggestions as to what some other options may be? Thank you in advance for any help
submitted by /u/carrot163 [link] [comments]Read Morer/HealthInsurance