I saw a mental health professional through a virtual visit today. Ahead of the visit, they recommended that I contact my insurance provider in order to confirm coverage for telehealth services, so I called up my insurance provider and explicitly asked that they confirm what my costs would be for a telehealth visit with this particular provider. I was told that based on the tier, it would be a $50 copay and nothing more. Great, everything is as it should be!
It’s also worth noting that I reached out to the provider’s office a week before the appointment to ask them to verify my insurance so that I would be aware of the project out of pocket cost beforehand, which they neglected to do until an hour before the appointment, and I was not made aware of the project cost until I saw…
Two minutes before the visit starts, I get a credit card charge for $170 from the provider (had to give credit card info for possible cancellation fee ahead of appointment). I obviously found that strange. So after the visit I call up the billing department, who said that when they spoke to the insurance provider that morning before my appointment, based on the codes they are billing under, the services are not covered until the $2000 deductible is met.
My questions are: why am I getting one answer from the Insurance’s patient side customer service reps while the Dr’s office is getting something else from the provider line? Is the provider billing in a shady way, or was I mistakenly mislead by a customer service rep? Do I have any recourse, given that I tried to verify my coverage at both ends and was still apparently thwarted?
Thanks for your help, wise ones of the r/HealthInsurance!
submitted by /u/atticaf
[link] [comments]
I saw a mental health professional through a virtual visit today. Ahead of the visit, they recommended that I contact my insurance provider in order to confirm coverage for telehealth services, so I called up my insurance provider and explicitly asked that they confirm what my costs would be for a telehealth visit with this particular provider. I was told that based on the tier, it would be a $50 copay and nothing more. Great, everything is as it should be! It’s also worth noting that I reached out to the provider’s office a week before the appointment to ask them to verify my insurance so that I would be aware of the project out of pocket cost beforehand, which they neglected to do until an hour before the appointment, and I was not made aware of the project cost until I saw… Two minutes before the visit starts, I get a credit card charge for $170 from the provider (had to give credit card info for possible cancellation fee ahead of appointment). I obviously found that strange. So after the visit I call up the billing department, who said that when they spoke to the insurance provider that morning before my appointment, based on the codes they are billing under, the services are not covered until the $2000 deductible is met. My questions are: why am I getting one answer from the Insurance’s patient side customer service reps while the Dr’s office is getting something else from the provider line? Is the provider billing in a shady way, or was I mistakenly mislead by a customer service rep? Do I have any recourse, given that I tried to verify my coverage at both ends and was still apparently thwarted? Thanks for your help, wise ones of the r/HealthInsurance!
submitted by /u/atticaf [link] [comments]Read Morer/HealthInsurance