Seriously, though. I was sick earlier this year (probably COVID) and went to the doctor because I couldn’t for the life of me get a PCR test at any urgent care in my area; it was the New Year and they were slammed. Doc did a flu test (😑, negative) and told me to isolate for likely COVID.
I have a new job with what I thought was excellent insurance. Well, doctor’s office called today to say I owe $115 for the visit because Blue Cross doesn’t pay for a visit until I meet their deductible. I’ve never had this happen before. I’ve only paid the co-pay for regular visits. I’ve only ever paid more if I’ve had a procedure, and I expect that bill then.
Doc’s office asks if I want to dispute it with BC, but I pay it ’cause I don’t have time to fight the bureaucracy. Luckily, I can easily afford it, but there was a time when I couldn’t, and I had significant health problems that wiped me out financially. Thankfully, I’ve been healthy for a while now.
So what’s the point of private insurance if surprise bills for routine visits are pretty much guaranteed?? Isn’t this why we’re all killing ourselves to snag jobs with benefits, so we’re not caught off-guard financially? I mean, I’m wary of going to the doctor now for anything other than my free (for now) annual physical. How can the average person live and stay healthy? I know it’s probably a rhetorical question. Sorry for the mini-rant, I’m frustrated.
submitted by /u/Mwahaha_790
[link] [comments]Seriously, though. I was sick earlier this year (probably COVID) and went to the doctor because I couldn’t for the life of me get a PCR test at any urgent care in my area; it was the New Year and they were slammed. Doc did a flu test (😑, negative) and told me to isolate for likely COVID. I have a new job with what I thought was excellent insurance. Well, doctor’s office called today to say I owe $115 for the visit because Blue Cross doesn’t pay for a visit until I meet their deductible. I’ve never had this happen before. I’ve only paid the co-pay for regular visits. I’ve only ever paid more if I’ve had a procedure, and I expect that bill then. Doc’s office asks if I want to dispute it with BC, but I pay it ’cause I don’t have time to fight the bureaucracy. Luckily, I can easily afford it, but there was a time when I couldn’t, and I had significant health problems that wiped me out financially. Thankfully, I’ve been healthy for a while now. So what’s the point of private insurance if surprise bills for routine visits are pretty much guaranteed?? Isn’t this why we’re all killing ourselves to snag jobs with benefits, so we’re not caught off-guard financially? I mean, I’m wary of going to the doctor now for anything other than my free (for now) annual physical. How can the average person live and stay healthy? I know it’s probably a rhetorical question. Sorry for the mini-rant, I’m frustrated. submitted by /u/Mwahaha_790 [link] [comments]Read Morer/HealthInsurance