I’ve recently had a few different health issues that all piled up simultaneously into a few dozen doctors visits in the last few months. I just got hit with a bill from LabCorp that is going to cut into my ability to pay rent, on top of the fact that I can barely afford the co-pays alone.
The appointments with my PCP often consist of conversations between us trying to decide the best course of action for the different things I need done, but many of the things she recommends end up not being covered by insurance. Until now, I’ve been told at the onset when making an appointment or getting medication whether it would be covered and could cancel it beforehand, but somehow LabCorp thought this would be covered when it wasn’t.
My insurance company told me the only thing I can do is call them to call them every single time I have a new thing ordered to figure out if it will be covered. The doctor/lab offices don’t have access to this information? How is this the case in 2021?
Even with this as a way to protect from being billed unexpectedly, this issue results in me having to call my provider back saying I need a different option and having to wait a week or more to sort it out back and forth over the phone. Is there no way to take care of this while I’m at my PCP appointment to not waste our time? Do I need a new PCP? Is there some magic phrase I’m not saying that would make this more streamlined? I’m so frustrated and confused.
EDIT:
age: 32
zip: 20740
inc: $25500
submitted by /u/thejevans
[link] [comments]I’ve recently had a few different health issues that all piled up simultaneously into a few dozen doctors visits in the last few months. I just got hit with a bill from LabCorp that is going to cut into my ability to pay rent, on top of the fact that I can barely afford the co-pays alone. The appointments with my PCP often consist of conversations between us trying to decide the best course of action for the different things I need done, but many of the things she recommends end up not being covered by insurance. Until now, I’ve been told at the onset when making an appointment or getting medication whether it would be covered and could cancel it beforehand, but somehow LabCorp thought this would be covered when it wasn’t. My insurance company told me the only thing I can do is call them to call them every single time I have a new thing ordered to figure out if it will be covered. The doctor/lab offices don’t have access to this information? How is this the case in 2021? Even with this as a way to protect from being billed unexpectedly, this issue results in me having to call my provider back saying I need a different option and having to wait a week or more to sort it out back and forth over the phone. Is there no way to take care of this while I’m at my PCP appointment to not waste our time? Do I need a new PCP? Is there some magic phrase I’m not saying that would make this more streamlined? I’m so frustrated and confused. EDIT: age: 32 zip: 20740 inc: $25500 submitted by /u/thejevans [link] [comments]Read Morer/HealthInsurance