Sorry I’m advance for how long this is.
So my husband changed jobs in August 2021. His previous employer provided Blue across health insurance. His current employer provides United Health.
So here’s the problem: at the time, my husband was going to virtual therapy once or twice a month. His therapist was in network with BCBS and all his visits were covered. When he switched employers, My husband informed his therapist of his new health insurance and his therapist starts to bill United. My husband goes to about 10 therapy visits. After several months we still haven’t received any bills or EOB from United regarding his therapy. Because we haven’t received any bills we assumed his therapy was covered (like it was under BCBS) but nevertheless We do some digging and turns out his old employer never cancelled his BCBS insurance. United was denying all the therapy claims saying that they are not the primary insurance and that BCBS is – so they sent over the claims to BCBS. BCBS didn’t actually pay for most of the claims because they were still processing at the time we found out about all of this. (It took several months for a United to deny them then send them over to BCBS for processing.) As soon as we find out that United is denying the claims and sending them to BCBS We contact the old employer (sometime in Feb.) and they contact BCBS and they retroactively cancel the health insurance back to August (when my husband left his job). My husband continues to go to his therapy appointments during all of this bc we didn’t know anything. After BCBS is cancelled, we have the therapy claims resubmitted to United health.
Well, turns out his therapist isn’t in-network with United. We had no idea that all this time he was out of network because we never received anything from BCBS or United about this whole mix up or about claims being denied. His therapist also never said anything about being out of network when he was given the new insurance. so United is paying $0 for those visits because my husbands out of network deductible is high and we haven’t reached it. Now We have about $2000+ of bills for these therapy visits. I’m just lost at what to do. If his old employer had cancelled the BCBS insurance at the correct time we would have known after the first visit (maybe the second visit) that he was out of network and we would only have one or two bills to deal with. But because his previous employer messed up and because neither insurance company kept us informed about anything, my husband kept going and now we have 10 bills at $200-$300 each. Any advice?
(And yes I know my husband should have double checked to make sure his therapist was in network under the new insurance. Weirdly enough the facility he works at is in-network but this specific doctor is out-of-network)
Thanks!
submitted by /u/jcassino4
[link] [comments]Sorry I’m advance for how long this is. So my husband changed jobs in August 2021. His previous employer provided Blue across health insurance. His current employer provides United Health. So here’s the problem: at the time, my husband was going to virtual therapy once or twice a month. His therapist was in network with BCBS and all his visits were covered. When he switched employers, My husband informed his therapist of his new health insurance and his therapist starts to bill United. My husband goes to about 10 therapy visits. After several months we still haven’t received any bills or EOB from United regarding his therapy. Because we haven’t received any bills we assumed his therapy was covered (like it was under BCBS) but nevertheless We do some digging and turns out his old employer never cancelled his BCBS insurance. United was denying all the therapy claims saying that they are not the primary insurance and that BCBS is – so they sent over the claims to BCBS. BCBS didn’t actually pay for most of the claims because they were still processing at the time we found out about all of this. (It took several months for a United to deny them then send them over to BCBS for processing.) As soon as we find out that United is denying the claims and sending them to BCBS We contact the old employer (sometime in Feb.) and they contact BCBS and they retroactively cancel the health insurance back to August (when my husband left his job). My husband continues to go to his therapy appointments during all of this bc we didn’t know anything. After BCBS is cancelled, we have the therapy claims resubmitted to United health. Well, turns out his therapist isn’t in-network with United. We had no idea that all this time he was out of network because we never received anything from BCBS or United about this whole mix up or about claims being denied. His therapist also never said anything about being out of network when he was given the new insurance. so United is paying $0 for those visits because my husbands out of network deductible is high and we haven’t reached it. Now We have about $2000+ of bills for these therapy visits. I’m just lost at what to do. If his old employer had cancelled the BCBS insurance at the correct time we would have known after the first visit (maybe the second visit) that he was out of network and we would only have one or two bills to deal with. But because his previous employer messed up and because neither insurance company kept us informed about anything, my husband kept going and now we have 10 bills at $200-$300 each. Any advice? (And yes I know my husband should have double checked to make sure his therapist was in network under the new insurance. Weirdly enough the facility he works at is in-network but this specific doctor is out-of-network) Thanks! submitted by /u/jcassino4 [link] [comments]Read Morer/HealthInsurance