Post # 1
Just wondering about insurance payments. I have received 3 bills from labs for lab work that myself and my hubby had to do to test for infertility. They aren’t much but I know that now that I’m pregnant the blood work tests and other tests will continue.
My question is how do you know what you really have to pay. For example, I went to the doctor and she ordered blood tests. I paid my co-pay to the doctor’s office right then. I went down the hallway and gave blood. They sent my sample to Quest Diagnostics. Quest has now sent me a bill. Bill shows total charges $1,000. Insurance Discount of $900.00. Insurance paid $90. I owe $10. I have received the same bill for my husbands tests. And a third bill for an additional test. All same sort of payment scheme.
Do I really owe this difference or do I send it back to me insurance company? I’ve heard of times that you do send it to the insurance company. I just don’t know what qualifies. Etc.
Post # 3
I always call my insurance company before I get anything done because I had this same thing happen except it wasnt $10, it was $390.
Post # 4
Before paying any bill you should get an EOB from your insurance company. On the EOB the claim will be detailed. It will show that the claim was processed and how much the insurance company pays, it sounds like they pay 90% and you have a 10% co-insurance. Save these EOB’s and match them to the bills from the place of service when they arrive. Hope this makes sense. Please feel free to PM me if you have any questions, I handle benefits for our company and have seen every type of claim.
Post # 5
My only advice is to check over your plan very carefully. I’ve learned from experience that it’s best to know beforehand what you’ll be expected to cover. Something like ten dollars isn’t a big deal, but when you get stuck paying more than that, it sucks. A few years ago my dad needed physical therapy and they covered a good portion of it.. but they didn’t say when the coverage stopped, so he got stuck paying a lot of money on something that was supposedly covered.
Post # 6
I agree with others that you should look for your EOBS (they should mail them to you or have a place online for you to check them) but that sounds right. Since there was an insurance discount on there, it sounds like they did already bill the insurance (companies should do this before you receive the bill from them).
Edit: The only time I have had to go back to the insurance company is when they completely refused to pay a claim for a treatment my doctor gave me. I had to have my doctor write multiple letters to them but it didn’t end up making a difference in my case.
Post # 7
Thanks all. I know 10.00 bucks isn’t a lot of money but this is 1 of 3 bills so that 30.00 bucks, I’m expecting to get 2 more from my last visits. This is only the the start of many bills to come that will be a lot higher then these. So best to get an understanding now rather than later! I will be calling them soon!
Also, I just found out that with our insurance company they have program for pregnancy that if you enroll in as soon as you find out your pregnant then you get some extra discounts! My insurance company you have to enroll within the 1st Tri.
Post # 8
I’m not sure who you are planning to call, but I would call the insurance to talk to them about it. They will be able to tell you about your recent claims and coverage throughout pregnancy.