I scheduled a bunch of doctors visits post covid derm, OBGYN (for a screening pap) and a new PCP visit. All of these providers are in network.
I ended up getting billed 300 dollars for the PCP visit which I had to pay 120 dollars for.
I got billed 97 dollars for the derm visit.
I got denied for the obgyn visit saying I already had a wellness screen but that if it was associated with a pap smear (it was) they’d change it and was charged 307 dollars, but I haven’t gotten the bill for that even though it has been over a month, so I probably need to pay it so it doesn’t go to collections.
I also had to pay $80 out of pocket for the pap smear labs that the insurance wouldn’t cover. I am starting to question why I even have this plan since it seems that I am paying cash for everything anyway.
My plan is tier A of this: https://web.musc.edu/-/sm/enterprise/human-resources/university-hr/f/2021-musc-health-plan.ashx?la=en
I keep getting slapped with all of these surprise bills. When I call the insurance company I always get really uninformed reps who just tell me to login online and figure it out. They ask for my info but at one point it was really clear they never logged into my account and were just giving generic advice.
Also, I notice that the PCP visit cash that I paid was never applied to my deductible.
I am thinking that I am doing this wrong because I am paying so much out of pocket for visits that I have never had to pay for before.
submitted by /u/gl0wfish
[link] [comments]
I scheduled a bunch of doctors visits post covid derm, OBGYN (for a screening pap) and a new PCP visit. All of these providers are in network. I ended up getting billed 300 dollars for the PCP visit which I had to pay 120 dollars for. I got billed 97 dollars for the derm visit. I got denied for the obgyn visit saying I already had a wellness screen but that if it was associated with a pap smear (it was) they’d change it and was charged 307 dollars, but I haven’t gotten the bill for that even though it has been over a month, so I probably need to pay it so it doesn’t go to collections. I also had to pay $80 out of pocket for the pap smear labs that the insurance wouldn’t cover. I am starting to question why I even have this plan since it seems that I am paying cash for everything anyway. My plan is tier A of this: https://web.musc.edu/-/sm/enterprise/human-resources/university-hr/f/2021-musc-health-plan.ashx?la=en I keep getting slapped with all of these surprise bills. When I call the insurance company I always get really uninformed reps who just tell me to login online and figure it out. They ask for my info but at one point it was really clear they never logged into my account and were just giving generic advice. Also, I notice that the PCP visit cash that I paid was never applied to my deductible. I am thinking that I am doing this wrong because I am paying so much out of pocket for visits that I have never had to pay for before.
submitted by /u/gl0wfish [link] [comments]Read Morer/HealthInsurance