Help! Medical bills from HMO

posted 5 months ago in Finances
Post # 2
98 posts
Worker bee

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@Mrs.N:  Ugh how unfortunate! I switched to my husbands insurance my last 2 months of pregnancy big mistake as his copays and deductible is so much! 
my question is why didn’t the OB or lab notice they were not paid!? Within just 2 wks the lab sent me a bill as they stated I did not have medical coverage. It was because my insurance wasn’t updated to the new and the other already showed I was inactive. I am not sure how this continues throughout the whole pregnancy did the office never call the insurance to confirm? 

Post # 3
227 posts
Helper bee

are they covering it at an out of network price?   You can try to negotiate a lower price with the doctors office/hospital.   Some wil give you a 10% off for paying in cash.     


Did you actually see the PCP that you thought was listed in the last 12 months?   If you haven’t I don’t think you have any leg to stand on.   If you did, you might be able to use proof of those visits as a basis for appeal with the insurance company.   But remember, making sure you have the proper referalls and authorizations is always down to the patient.    It is not the responsability of the doctors office or hospital to obtain them.   Most do this as a courtesy because they want to get paid but they also usually have language in your consent forms that basically says that you need to know and understand your own insurance and will be responsbile for any balance not covered by said insurance.  

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