Im dealing with a doctor and hospital bills one after another after trusting my insurance to cover 90%?

Question

I just receive a bill from my doctor after having a surgery before a month. They are charging me for the discount what my insurance estimate. Do I have to pay that myself? If yes, and I refuse to pay it, is that will effect my credit report in the future?

Answer 1

I want to make sure I understand what you are asking -

Example - you had surgery - the normal cost of the procedure is 2500.00. However, you health insurance allowable charge for that procedure is 1500.00. Your share should be 10% of 1500.00 but your medical provider is charging you the 10% + 1000 difference between their normal charge and your health insurance allowable charge. Is this is?

If so, call your health insurance plan. Most plans do not allow the provider to charge you the difference. However, some providers get you to sign a statement agreeing to pay the differnce dispite what your health insurance plan says. Call the customer service dept for your health insurance and they should tell you if this is allowed. If they say it is not allowed, call the providers billing dept and speak to them. They may just be billing you the difference until the health insurance pays and then adjust. But look into it.

Good Luck.

Answer 2

Your question isn't very clear.

Are you saying that your surgery is a month from now, and the doctor's office is charging you your 10% in advance? If they are contracted with your insurance company, most likely they have a clause in their contract against doing that. (The reason for this is that until the insurance company adjudicates your claim, the doctor's office won't know exactly what your responsibility will be.) Call your insurer in that case and tell them what's going on - if the doctor is violating their contract by billing you in advance, then the insurer's contracting rep should contact them and discuss the matter with them.

Or, are you saying that you had the surgery a month ago, and your doctor's office is now balance billing you up to the total billed charges? If that's the case - first verify that the doctor is contracted with your insurance company. If they are contracted and the insurer discounted the rate according to that doctor's contract, then you can't be balance billed. You can be billed for your coinsurance and deductible, but not for the difference between the allowed amount and the total billed charges.

If you can clarify your situation a little, it might help you get more accurate answers!

Answer 3

Did you explain to the insurance call the second time that you had previously called to find out if it was covered and they said yes? And because of that, that is why you went and had the test? You can make payments to the hospital even if it's $5 a week. As long as you are paying something on it

Answer 4

Call and speak with them directly and ask if the insurance payment is sufficient .
Sometimes you do have a co-pay . . .
Maybe the bill is the co-pay ? the 10% ?
Anyway , a polite conversation with the doctor can sometimes get your bill dismissed .

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Answer 5

insurance companies are a rip off