Post # 1
So apparently, noone told me that Aetna considers anything done by Labcorp to be out-of-network. My OB office told me to go there for a TON of routine prenatal tests (bloodwork), and I just received an EOB from Aetna saying that I owen nearly $700 for the tests that, had they sent me to Quest, would have been covered 100%. I have both primary and secondary insurance, but BOTH are Aetna… so I think I’m pretty much screwed. How am I going to cough up an unnecessary $700 for tests that should have been paid for in full. :'(
Has anyone else dealt with something like this? I’m so mad because at the urgent care I work in, we are required to have all patients who have out-of-network insurance sign an aggreement saying they understand that their benefits are different, yet noone along the line told me about Labcorp not being covered until I already owe $700! ;_;
Post # 3
I’m surprised your doctor’s office didn’t know to send your blood to Quest. They know at my office that I have Aetna and they have to send my samples to Quest. They also know which radiology offices I can and cannot use.
I guess you need stay on top of things yourself from now on. They normally put the onus on the patient in these cases.
Post # 4
That is very odd, it really seems like your doctor should have caught that. I would call labcorp and try to negotiate the price and/or set up a payment plan. They will generally lower the price if you offer to pay it in full (sometimes up to 80%, I have heard).
Post # 5
Yeah, I was told to take the rx to Labcorp, and when I got to Labcorp, they had a list of insurances they take and Aetna was on it! Now when I google Aetna and Labcorp, they had some kind of falling out and haven’t covered them since 2007. Stupid crap… I REALLY wish I had done my research beforehand, but I went straight to the Labcorp office from my OB office. 🙁 A $700 mistake, apparently.
Post # 6
I’m with Aetna, they are IMPOSSIBLE. My sympathies with you. Sorry I can’t actually help. I hope it works out.
Post # 7
Do you have a FSA already? If not, it’s close enough to the end of the year that you might (maybe) be able to delay your bloodwork billing till after the first, and since it’s currently open enrollment period, you can enroll for a 2013 FSA. I would talk to Aetna and to a tax accountant before going down this road because the tax laws on FSA’s seem to change every year, but it’s worth a shot. You’d be paying that bill with pre-tax dollars so it would “feel” a lot less painful (a $700 bill paid with pre-tax dollars feels more like a $400-500 bill depending on your tax bracket). Probably good as a new mom to have a FSA for baby’s first year anyway as there are so many out of pocket, eligible expenses.
Post # 8
I’m so sorry! Unfortunately, it’s your responsibility to determine what tests are and aren’t covered prior to treatment. While your urgent care may have that form, I’ve never been to a place that even mentions it.
Post # 9
@fishbone: I have an HSA from a previous job, but I ended up spending all the money in it on my husband’s eye doctor appointments and new glasses/contacts for us both, so there’s only like $20 in it right now and I no longer contribute to it because I haven’t been full-time with benefits since May. :/ That is something to consider, though, thanks!
Post # 10
I didn’t have this exact problem, but I did have blood tests billed under an “existing condition” rather than pregnancy and I got a $1100 bill. When the (pretty much) same tests were billed as “pregnancy” I was charged nothing. Insurances effing suck! I hope something works out for you. Shouldn’t Aetna have some kind of coverage for “out of network” ? Even if it’s only 50% or so, that would help a lot!
Post # 11
@Schatzie821: Yeah with their out-of-network coverage I owe $700, the bill was like $1100 or so for the tests total. D: Just sucks because it would have been paid in full if I had just gone to Quest! I called today to have the remaining balance sent to my secondary, since it hasn’t yet, and so hopefully they can skim some of that off.. not sure though because they are both Aetna plans. You would think this wouldn’t happen to someone who has to deal with patient billing/insurance all day, but I just always thought Labcorp was covered. Doh!
Post # 12
I bet your doctor and insurance will both tell you that it’s on you to double check whether the blood clinic was covered on your insurance (because it technically is, even though that SUCKS!!!!). I doubt you’ll have much recourse.
Post # 13
That really is crazy. Labcorp is inside of my doctor’s office. As in they have a labcorp rep stationed there performing all of the work. Then another Labcorp person picks up from them. Both my OB and Primary Health care doctor have this set up.
I would definitely give your doctor’s office an earful.
Post # 14
Could you maybe resubmit the claim or call them? I had some complications so I was sent to labcore for beta testing then full on pregnancy bloodwork. I had a bill for $400, $900, $ $150 sent to me saying my insurance wouldnt cover them. I resubmitted the claimed and only ended up paying $30. It’s so frustrating we are almost penalized for having insurance, when those who don’t work and have Medicaid get everything for free. No offense to anyone but it is so not fair. My hubby and image a decent living, but even with insurance, medical bills are outrageous!!