brownsugar73

@cadladykim....send me a PM...i'm in Healthcare field and deal with this on a daily basis. I can help send you in the right direction. Yes. ..there are contacted and non contracted rates. If Aetna paid what the allowable is, then the rest can be deemed non covered. What is your coverage percentage? Do you have a ppo? Usually when or before you're admitted they verify your policy limits. Generally, admitting doesn't know contract info, that's the business office.

I'm doing my 3 month maintenance now. I started drinking the protein shakes to get a grasp of them. .lol the premier protien shakes are delish. Both chocolate and vanilla. ..walmart carries them pretty cheap. .5.98 for 4..

Yes...you need to verify your plan documents to see what is your annual and lifetime max on your policy. If you look into Aetna navigator and look at the benefit tab it should show you. Generally, if you have a max cap, any amout above that is patient responsibility. Being a covered benefit is not the same as the benefit or policy maximum. Also. ...ask if the hospital has a charity or financial assistance program. Generally you would have to qualify for a certain percentage of your income and there are times when you're able to adjust a large portion of the bill and you make monthly payments on the remaining amount

Actually that's not quite how it works. Insurance companies, doctors offices, hospitals and other providers have set contracted rates. There are several different ways that contracts are negotiated that includes all of the supplies,the actual cost of the facility,and also your room and board charges. Typically the insurance company will never pay more than what their contract will allow and that's also determined by what was authorized. Its kinda confusing but I've been in the medical field my whole career, and this is what I do on a daily basis . I'm a glutton for punishment lol But I do tend to agree that the cost of Healthcare has skyrocketed which then makes the patients responsible for more out of pocket.

You look incredible. I notice Dr.Suh is your physician? I have a consultation appt with him next Friday. How do you like him? Can you offer any advice?