Post Op Bill For $75,000...freaking Out!

[NewMissB 14]

Hi everyone,

So I got a bill in the mail today from my surgeons office with two bills to the amount of $75,000, and I nearly passed out. My surgeon does bot participate in my insurance plan, but he accepts it. I was told that after I was approved (GHI/BCBS/Emblem Health) I would get checks in the mail from the insurance company and have to endorse them, and then send then to the surgeon. I received two checks, one for $303 and one for around $2,500. The surgeons office included a copy of my claim to the insurance company, which basically showed that's all that was covered. I don't know what to do and I'm panicking.

Can someone please help me understand if this is correct, or if my insurance just needs to send more checks? I'm freaking out and I was told I was approved, so this really scared me. Any advice you can offer is much appreciated, thank you!!!

-Britt

[SaraWalk 30]

U should definatly call and talk with your insurance company. If they are participating they should be accepting the allowed amount set by the insurance. Im sure if you call the insurance and probabley the surgeon office they will be able to explain why the amounts are differing so much and they will hopefully advise u that the numbers should be matching more closley as things keep processing. Good Luck!

[april22ky 5]

My guess is that you'd get a very large sized check from bcbs. I know the place I go to had said bcbs will send a check and they MUST bring it in and write it over to them. If the patient deposits the check then they charge them the full amount. They work "out of network" and don't negotiate with the insurance companies and then they write off the balance. Hope that helps but you may wanna make a phone call or two. I personally don't have bcbs.

[yvonne74 73]

Good Luck! I was told my insurance fully covered the surgery and then I got an $82,000 bill which insurance covered most of it but a little over $4,000.. So I was not expecting to even get that amount