I called my insurance today because I received a bill for my orthotics. My insurance barely covered the ~$1100 cost but the office lowered it from 1000 to 200 so that I could pay it off. This is weird because the last two times I had this done, there was no issue. I understand things change in terms of what’s covered, it is what it is. I called my insurance to try to figure out what exactly went on in terms of what they covered and drew the line at. Turns out, this provider is not in network.
I’ve been seeing them since 2017, but apparently, they did not renew their contract with my insurance since 2016. The insurance person on the phone actually told me to avoid asking my podiatrist too many questions about my orthotics not being covered because there was a worry that the podiatrist’s office might realize that I was out of network and possibly bill me for differences from the years prior. Now, I have received the EoB from each visit for years. The office never had any issue, as far as things were concerned, with payment. They have been very nice, even dropping the cost down of the orthotics when it was not covered. But the insurance person I spoke to over the phone had me terrified that I should not go back to them again because they are not in network and that I may have to pay back the difference in what is owed.
I feel really dumb for assuming that In Network and accepting an insurance meant the same thing. Does anyone know how I should navigate this? Like is it just as simple as my podiatrist is happy with the $100 that they get from my insurance for visits and don’t care that the extra $25 is not covered? Is this a huge time bomb that will screw me over in the future if someone else goes through the practice’s charts?
submitted by /u/venusraza
[link] [comments]
I called my insurance today because I received a bill for my orthotics. My insurance barely covered the ~$1100 cost but the office lowered it from 1000 to 200 so that I could pay it off. This is weird because the last two times I had this done, there was no issue. I understand things change in terms of what’s covered, it is what it is. I called my insurance to try to figure out what exactly went on in terms of what they covered and drew the line at. Turns out, this provider is not in network. I’ve been seeing them since 2017, but apparently, they did not renew their contract with my insurance since 2016. The insurance person on the phone actually told me to avoid asking my podiatrist too many questions about my orthotics not being covered because there was a worry that the podiatrist’s office might realize that I was out of network and possibly bill me for differences from the years prior. Now, I have received the EoB from each visit for years. The office never had any issue, as far as things were concerned, with payment. They have been very nice, even dropping the cost down of the orthotics when it was not covered. But the insurance person I spoke to over the phone had me terrified that I should not go back to them again because they are not in network and that I may have to pay back the difference in what is owed. I feel really dumb for assuming that In Network and accepting an insurance meant the same thing. Does anyone know how I should navigate this? Like is it just as simple as my podiatrist is happy with the $100 that they get from my insurance for visits and don’t care that the extra $25 is not covered? Is this a huge time bomb that will screw me over in the future if someone else goes through the practice’s charts?
submitted by /u/venusraza [link] [comments]Read Morer/HealthInsurance