I have a hopital calling me to collect on a co-pay when I was admitted to the hospital in 2005. My insurance waives the co-pay if you are admitted. I was a walk in to the ER at 5pm and was admitted late that evening. I cannot remember the exact time. I stayed over night in the hospital and was discharged at 9pm the next evening. Now they are trying to say that I was only there for observation and I owe the co-pay. I know for a fact I was admitted and had to be released by a doctor before I could leave. What can I do?
2007-03-01 06:04:33 · 7 answers · asked by gasrhonda 1 in Business & Finance ➔ Credit
Talk to your insurance company.
2007-03-01 06:09:57 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Your insurance may have an ER copay. Most do,it's usually $100 and is waived if you are admitted. On top of that unless you have 100% coverage your insurance will pay the amount they owe. Most policies ar a 80/20 meaning they will pay 80% and you will pay 20%. This involves what they will pay in addition as to how much they will apply to your deductible. So if your bill is $1000, they will pay $800 and you owe $200 plus whatever the ins. co applies to your deductible. Pay up on the bill. It will affect your credit for at least 7 years before it is removed.
2007-03-01 14:18:10 · answer #2 · answered by sweet sue 6 · 0⤊ 0⤋
If you were discharged at 9pm the next night, then you WERE only there for observation. There are two types of admissions: 23 hour observation, and full admits. You were a 23 hour obs. That doesn't mean you weren't admitted to the hospital, but you were not a full admit, which may be what the insurance company is saying. I'm not up-to-date on all insurance policies, but obviously yours has that if it isn't a full admit, then they aren't paying. Which is kind of crappy.
2007-03-02 03:18:24 · answer #3 · answered by Morning Glory 5 · 0⤊ 0⤋
Depends on your insurance company. My wife went to the ER and was admitted to the hospital, but we still had to pay the $50.00 co-pay. Considering everything they did and what the final bill came to, I'm thankful that I'm only getting stuck paying a $50.00 co-pay...
2007-03-01 14:12:42 · answer #4 · answered by sarge927 7 · 0⤊ 0⤋
Request a copy of your medical records. By law, you have a right to them. It should show you were admitted and discharged. The hospital should have collected your copay when you walked after the hospital (like my husband).
2007-03-01 14:15:26 · answer #5 · answered by Jamie T 2 · 0⤊ 0⤋
keep asking to speak to supervisors until you get a satisfactory answer. you pay for health insurance so, get your money's worth
2007-03-01 14:16:03 · answer #6 · answered by ruby s 1 · 0⤊ 0⤋
no, they waiver the co-pay when u r admitted normally.
2007-03-01 14:09:05 · answer #7 · answered by NYEVE43 2 · 0⤊ 0⤋