I went to a family doctor in December for an annual exam, after noticing a lump on my neck, and asked my doctor for opinions. She was concerned and said she would schedule an ultrasound to get diagnostic imaging.
This was my first time using my own insurance for an out-patient treatment and I am still learning a lot. I researched after my appointment had been scheduled, confirmed the location was in-network, and found a page on BCBS SC stating that diagnostic imaging was covered under the PPO plan. I assumed this to be the case, and went to my appointment.
I was asked for my insurance, then I asked if I owed anything. I was told no, then had the ultrasound performed. I asked if there was any more paperwork after the imaging, I was told no, and left.
Today I got an email with a $315 bill. I know US health insurance is it’s own beast, but I want to check before I pay that this is correct. The EOB states: ~$900 provider cost, ~$400 saved, $0 plan paid, $315 owed by you.
I’ve done more research since. I found a page on the BCBS SC site for radiology stating that for medical imaging for a diagnostic, pre-authorization is required. On my account however, there is no past history of pre-authorization.
Would this have saved me from paying? Was this up to me or my doctor to fill out? Thank you.
submitted by /u/i-choose-science
[link] [comments]I went to a family doctor in December for an annual exam, after noticing a lump on my neck, and asked my doctor for opinions. She was concerned and said she would schedule an ultrasound to get diagnostic imaging. This was my first time using my own insurance for an out-patient treatment and I am still learning a lot. I researched after my appointment had been scheduled, confirmed the location was in-network, and found a page on BCBS SC stating that diagnostic imaging was covered under the PPO plan. I assumed this to be the case, and went to my appointment. I was asked for my insurance, then I asked if I owed anything. I was told no, then had the ultrasound performed. I asked if there was any more paperwork after the imaging, I was told no, and left. Today I got an email with a $315 bill. I know US health insurance is it’s own beast, but I want to check before I pay that this is correct. The EOB states: ~$900 provider cost, ~$400 saved, $0 plan paid, $315 owed by you. I’ve done more research since. I found a page on the BCBS SC site for radiology stating that for medical imaging for a diagnostic, pre-authorization is required. On my account however, there is no past history of pre-authorization. Would this have saved me from paying? Was this up to me or my doctor to fill out? Thank you. submitted by /u/i-choose-science [link] [comments]Read Morer/HealthInsurance