I am having a baby in July, and I have been having to pay “global” payments every month towards my labor and delivery.
When I found out about this, they explained they basically calculate the estimated cost of labor & delivery, then my insurance says what my deductible + costs would be and I pay it all upfront with monthly payments throughout my pregnancy.
My deductible is $2,000 and my out of pocket is $3,000. My plan pays 80%. To date, I have paid $1,668.18 to the hospital since my first prenatal appointment for all of this.
Well last month I had a trip to the ER. It was completely unrelated to pregnancy, but I got an insurance-adjusted bill from the hospital saying I owed nearly $2,000 for the visit….
My problem is, I have already paid $1,668.18, but those payments do not show up towards my deductible on my insurance portal. It’s like the hospital is collecting the money but not submitting anything until I actually give birth, which is an issue because my deductible should already be close to being met. I can’t fork out an additional $2,000 when I have paid almost that much already.
I understand I will still have some payment responsibility for the ER visit, but it should not be that amount when my deductible is almost met.
How do I go about dealing with this? Is this an issue I speak with the hospital billing department with, or my insurance company?
submitted by /u/at_meghan
[link] [comments]
I am having a baby in July, and I have been having to pay “global” payments every month towards my labor and delivery. When I found out about this, they explained they basically calculate the estimated cost of labor & delivery, then my insurance says what my deductible + costs would be and I pay it all upfront with monthly payments throughout my pregnancy. My deductible is $2,000 and my out of pocket is $3,000. My plan pays 80%. To date, I have paid $1,668.18 to the hospital since my first prenatal appointment for all of this. Well last month I had a trip to the ER. It was completely unrelated to pregnancy, but I got an insurance-adjusted bill from the hospital saying I owed nearly $2,000 for the visit…. My problem is, I have already paid $1,668.18, but those payments do not show up towards my deductible on my insurance portal. It’s like the hospital is collecting the money but not submitting anything until I actually give birth, which is an issue because my deductible should already be close to being met. I can’t fork out an additional $2,000 when I have paid almost that much already. I understand I will still have some payment responsibility for the ER visit, but it should not be that amount when my deductible is almost met. How do I go about dealing with this? Is this an issue I speak with the hospital billing department with, or my insurance company?
submitted by /u/at_meghan [link] [comments]Read Morer/HealthInsurance