Got a bill in the mail!

[kimdlawson06 141]

I have bcbs fep. Yesterday I got a bill from the anesthesiologist who did my EGD for over $900 bucks!!! Will I have to pay this before my actual surgery? I'm contacting the insurance to see why I'm paying so much out of pocket! Has this happened to anyone else?

[woo woo 872]

Call the number on the bill and make sure that it was submitted to insurance. They may not have received your insurance info. This same thing happened to me and it was in error.

[kimdlawson06 141]

Call the number on the bill and make sure that it was submitted to insurance. They may not have received your insurance info. This same thing happened to me and it was in error.

Actually it reflected that the insurance only paid $290. The original bill was over $1200!

[finediva 979]

Well what is covered under your policy? Did you go out of network? Before I accept any appointments for services I asked if my insurance is accepted, or usually I'm asked what my insurance is first by the person on the other end. If my insurance is not accepted I do not go there. I have a $15 copay for all covered services.

[Forsythia 882]

You might have a deductible. And/or an out of pocket max. I had both. So once you meet the deductible for the routine stuff you still might have to pay for part of the surgery. And that stuff resets itself at the beginning of the year. I met both, but still had about $1800 I had to pay out of pocket because of it.

[kimdlawson06 141]

Well what is covered under your policy? Did you go out of network? Before I accept any appointments for services I asked if my insurance is accepted, or usually I'm asked what my insurance is first by the person on the other end. If my insurance is not accepted I do not go there. I have a $15 copay for all covered services.

That's what I did wrong! All of my appts have been set up through the surgeon's office and I assume they'd all be in-network. The psych eval, sleep study, and actual EGD all had small copays. This is the first time this has happened. I'm calling my insurance coordinator today!!

[kimdlawson06 141]

You might have a deductible. And/or an out of pocket max. I had both. So once you meet the deductible for the routine stuff you still might have to pay for part of the surgery. And that stuff resets itself at the beginning of the year. I met both, but still had about $1800 I had to pay out of pocket because of it.

Thanks. I was told my out of pocket for bcbs fep would be $400, but now I see that's just to the surgeon's office!!

[HawaiianTexan 44]

Similar thing happened to me for the EGD. I paid $420 during preregistration, then a bill for $340 cane in mail. I'm just paying it because it goes toward my out of pocket maximum whatever I don't pay here just would have come later in my out of pocket. I hit the max just before the surgery...

Edited December 10, 2014 by HawaiianTexan

[Aranks 94]

For my EGD, luckily I had to pay nothing out of pocket, but I had to forward a check my insurance sent to me. $3600 for the anesthesiologist. The hospital was shocked that my insurance covers total expense because the anesthesiologists they use are not in a network. Crazy! I got my surgery before I submitted the payment and it was the same anesthesiologists that did my surgery, so that didn't appear to be a problem on my end. Hope you get it all figured out.

[Megan00 38]

@@kimdlawson06 It sounds about right I have BCBS Fed to and I had to pay $355.00 for the anesthesia when I had my EDG done to I was piss

My insurance company told me that my actually Dr was in network but the anesthetic Dr wasn't so

[emsgirl114 88]

Because insurance companies are poor evil and exploit us for using what we pay for! Sorry.

[kimdlawson06 141]

Because insurance companies are poor evil and exploit us for using what we pay for! Sorry.

Lol! Right you are! I call bcbs and was told that they anesthesiologist may just accept their payment and write off the remainder. Hmmmm....not sure about that one, but we'll see.

[finediva 979]

That's what I did wrong! All of my appts have been set up through the surgeon's office and I assume they'd all be in-network. The psych eval, sleep study, and actual EGD all had small copays. This is the first time this has happened. I'm calling my insurance coordinator today!!

With them setting up your appointments I can see how that could happen, but they should of made sure they were keeping you in network. I was simply given a long list of pre op test to complete and told to have them done and have results sent to the surgeon's office. On the list were recommended doctors. I used some and got some on my own. Glad it all worked out. Best.