I had 3 different insurance coverage for the year 2020 due to employment, unemployment and employment again.
I had fertility treatments in January while insured by United, got pregnant in May and started seeing the OBGYN regularly for prenatal checkups while insured by BCBS until December, where I was then covered by Cigna.
Now the hospital I go to claims that all pregnancies must go through global billing, even when I will not give birth at the hospital. I still have not given birth yet but I did inform my doctor that I will be going to a different location for birth and will not be going back.
I was then global billed and received a massive bill and I understood: 1. They global billed all 10 visits to only Cigna even though 8 visits was when I was insured with BCBS (and Cigna covers only 30%? After deductibles) 2. The bill was a lump sum “physician” charge and not itemised for each visit even though my benefits states each visit with specialist/OBGYN should only be $50 OOP.
My questions are: 1. Can they global bill me when I am not using the hospital for the delivery? 2. Is the hospital right to bill the insurance in one lump sum to Cigna? EOB only states “Type of Service- Physician” for the last visit, for a charge of over $3k, even though the bill is for over 10 visits over 6 months, while I was insured only by BCBS for 8 of those visits. 3. Would the insurance benefits of $50 OOP/obgyn visit overrule the global billing policy they have with the hospital?
I have reached out to the hospital billing department who insists that this is the cheaper way and Cigna already processed the claims and I’ve already met my deductible for the year…I just thought I’d only owe $50×10 visits and not have to pay nearly triple of that.
submitted by /u/sizzlesfantalike
[link] [comments]
I had 3 different insurance coverage for the year 2020 due to employment, unemployment and employment again. I had fertility treatments in January while insured by United, got pregnant in May and started seeing the OBGYN regularly for prenatal checkups while insured by BCBS until December, where I was then covered by Cigna. Now the hospital I go to claims that all pregnancies must go through global billing, even when I will not give birth at the hospital. I still have not given birth yet but I did inform my doctor that I will be going to a different location for birth and will not be going back. I was then global billed and received a massive bill and I understood: 1. They global billed all 10 visits to only Cigna even though 8 visits was when I was insured with BCBS (and Cigna covers only 30%? After deductibles) 2. The bill was a lump sum “physician” charge and not itemised for each visit even though my benefits states each visit with specialist/OBGYN should only be $50 OOP. My questions are: 1. Can they global bill me when I am not using the hospital for the delivery? 2. Is the hospital right to bill the insurance in one lump sum to Cigna? EOB only states “Type of Service- Physician” for the last visit, for a charge of over $3k, even though the bill is for over 10 visits over 6 months, while I was insured only by BCBS for 8 of those visits. 3. Would the insurance benefits of $50 OOP/obgyn visit overrule the global billing policy they have with the hospital? I have reached out to the hospital billing department who insists that this is the cheaper way and Cigna already processed the claims and I’ve already met my deductible for the year…I just thought I’d only owe $50×10 visits and not have to pay nearly triple of that.
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