I'm f**ked

[Big Block 88]

I don't even have a deductible the hospital opens at 8am you can bet that I will be calling. This makes me sick to my stomach. Plus I have to pay over 500$ in physical therapy bills from a non related incident

I know when I cam home and I had to get my guts and ass fixed it was nearly 10,000 for the surgery and I ended up paying like 3500 of it. 6 months later I received a bill for a "FACILITY FEE" another 900 bucks i just told them it wasn't going to happen. I have had 4 knee surgeries and I have NEVER paid a FACILITY FEE, and never paid that kind of money. I realize working a 245 pound guys ass probably isn't real pleasant but they are out of wack with the gastro intestinal charges.

So when you talk to them ask them what all the totals are on the bills some of it is pure nonsence and dispute it. doctors and Hospitals think they are god and can get away with stickin it to people in the last few years it is becoming more and more apparent.

 

[Kat]

My wife is kind of an expert on this. She says DO NOT pay ANYTHING until you receive a "Explanation of Benefits" from your insurance company. Then talk to your insurance company about the extra charges. She says you should only have to pay whatever % or amount your insurance company says to. Your doctor/hospital is trying to get you to pay the extra charges, which you are not responsible for.

Unless they are not contracted with Blue Shield. Then they can charge him what ever the heck they want

Since is was an elective procedure he should of been notified in advance if they where non-contracted.

 

[hondarider552]

My wife is kind of an expert on this. She says DO NOT pay ANYTHING until you receive a "Explanation of Benefits" from your insurance company. Then talk to your insurance company about the extra charges. She says you should only have to pay whatever % or amount your insurance company says to. Your doctor/hospital is trying to get you to pay the extra charges, which you are not responsible for.

x2. When I broke my femur I didnt pay my % untill 2-3 week later after I talked to insurance and received a written document. I would do the same Nick.

 

[BUST'EM 504]

yea when I had knee surgery the hospital was not covered with blue cross and I did not know that I paid 80 percent and they only paid 20 percent it sucks
Sorry to hear that man

 

[dbenenh0]

I would also wait to pay. I just had knee surgery and im still under my parents insurance as a dependent but have my own primary policy through school. The Dr. was tryin to make us pay as if i was on my parents plan (dedcutable of 5k) but really i should be on the school plan (deductable 300). Someone told us to wait to pay once they figure out the whole insurance deal.

My first knee surgery was in 07 was 100K total (insurance paid pretty much all)

Second knee surgery in march so far we got part of the bill and it was 25k (and still tryin to find out about insurance).

Good luck man

 

[S Phinney]

If you think it's all bad just wait till Obama gets his way with the insurance companies. We are all going to get screwed.

 

[Sledhead]

I had a fatty tissue removed a little while ago... which required surgery, ... What a shitty day

I started reading and heart dropped for you. I thought it was something to do with it being malignant, THAT would be a shitty day. Not trying to minimize your predicament just looking for a positive.

 

[paint94979]

I started reading and heart dropped for you. I thought it was something to do with it being malignant, THAT would be a shitty day. Not trying to minimize your predicament just looking for a positive.

i genuinely appreciate that... but i feel i should been informed $500 vs. $9,000 is pretty outrageous

 

[JD4440]

Wait to pay anything untill you get your EOB . I waited till I got the first dirty letter for my $9,ooo bill from the cardiologist. The longer I wait the more they write off, right ?

 

[Dan@PPE]

No worries! Call you insurance company and it will get worked out..:hug:

 

[THEFERMANATOR]

As said above, DON"T PAY ANYTHING until you talk to YOUR insurance provider. i was in a car wreck 10 years ago and was just about the million dollar man when it was all said and done(bills were well over $300K). Out of that the insurance company paid about $35k and if it hadn't been for me getting a settlement out of it that would have been the end of it. The hospitals, dr's, nurses, and even there unions wil lall send bills to you hoping to get MORE than there contracted rates, but you are not liable to pay these costs in many cases unless a settlement or something like that is involved. Also if you showed your insurance and your dr that is a listed provider for your insurance scheduled the procedure and scheduled it at a NON covered hospital, then your DR is responsible for the bill. I went through this one as well since my accident involved me being airlifted and I was taken to a non covered hospital. The doctors that pathced me back up were not covered, but since it was an emergency they got covered. Afterwards I required another operation, and the dr scheduled me at a non covered hospital for my insurance and I received a $69K bill for it. Took me almost 6 months of fighting MY insurance company, but they covered it once I was finally able to get them to review and realize that they authorized the procedure and the dr didn't do his part of scheduling it properly at a listed provider.

It's all a game to the them as they are hoping that they can get somebody who doesn't know the rules to pay the difference between teh billed amount and there contracted rates.

 

[KEVINL]

I have health insurance but wont even use it you are better off dead these days

 

[ripmf666]

Like the others said Nick hold off. You only have to pay what your INS has worked out for them to take. They try to sucker you into paying the other part you don't have to. I get that crap with bbs of Gm all the time I get a bill says 2k then bbs send a letter saying I pay 25 or 50 bucks.

 

[TAGLARRY]

I had a fatty tissue removed a little while ago... which required surgery, I just got the bill in the mail $9,000 for 35 minutes I have to pay right at $3,000. Looks like no built engine for me, and odds are im getting out of the "game" I was expecting $1,000-$1,500 at most not $3,000. What a shitty day

My daughter just had a baby and she does have health insurance through BCBS. Her total bills were about $3000.00. She made a phone call for each invoice and she asked if she could have the bill discounted if she payed in full immediately. They ALL discounted her bills from 10% to 15%. It isn't great but it could save you a few hundred.

 

[MACKIN]

Hey I'm f'd too so you aren't the only one.

If you have to pay make payments. It will be interest free. When my wife was in the hospital with pneumonia first the insurance said they weren't going to pay sticking me with a 30k plus bill.

I got them to pay by making the doctors get involved saying it was life or death for her to be admitted,the insurance thought she waited to long to get treatment and it could have been treated at home,ridiculous.

Ended up paying the $1500 dollar deductible in $200 dollar payments but I could have said $50.

My misery,
I owe taxes,need to put a roof on my house,my truck needs HG and this morning my washing machine shit the bed. All this week sep for the roof.

 

[SSchmi5519]

I got sick for a week, fever got to 106.8*, they took probably 30 blood samples (15 from each arm).

Ended up with a $35,000 bill and they couldn't figure out what was wrong with me. :thumb: guys!

 

[fast03]

wow those insurance companies love to treat their paying customers so good. I have run into the same issues. 27k bill insurance did not want to pay. took a year of fighting to get them to pay. A customer should not have to fight to get their bills paid by their "insurer". Glad we have a profit driven healthcare system.

 

[madmatt]

wow those insurance companies love to treat their paying customers so good. I have run into the same issues. 27k bill insurance did not want to pay. took a year of fighting to get them to pay. A customer should not have to fight to get their bills paid by their "insurer". Glad we have a profit driven healthcare system.

Yep i deal with BS from mine every month. My 4 month old takes Prevacid Solutabs for reflux,, well it's a tier 3 or 4 or what ever. Since it cost so much,, the insurance company reserves the right to opt of of paying for that drug sticking me with paying $200 a month for the shit when i pay them $400 a month for coverage. I lost it in out last insurance meeting and had to be asked to leave. It's rediculas we have to pay so much for this shit only to get the run around or just flat out told not covered!! I started taking my boy to urgent care when he gets real fussy now and sticking my insurance with that bill and don't even feel sorry. After 3-4 trips there a rep called and asked what the problem was so i unloaded on them to explaining we need a medication thats not covered so when it gets to hurting him we take him there, pay our $25 co pay and get a weeks worth. They now cover it for us,,,,

 

[RENODMAX]

Been there done that. If you get really sick you don't want an HMO if you can afford the PPO. IMO

It depends on the area you live in. If you know the facilities it makes a difference. Our HMO uses the areas biggest hospital with the most services so it works out well, and all I had to do the let them bill for my primary care was call and say I want my primary doctor to be switched to Dr So and So. But you are right you always need to make sure wherever you go contracts with your insurance provider.

 

[paint94979]

I just filed an appeal with my insurance company... I also noticed that the hospital might have screwed up with billing me and the insurance company.

My doctor told me just a local was needed in our first appointment I said fine then on surgery day the hospital staff started talking about the Anesthesiologist will be in, in a minute. I replied WTF!!! no I am not suppose to get knocked out and I made them call my doctor on her way to the hospital to verify what I was told. They said yep you are right just a local. So on my bill it shows I was billed for:

SURG LVL 2 FIRST 30MIN .... $4,289.00
SURG LVL 2 ADD 15M ......... $3,444.00

Then a few charges later im charged:

SURG PACU LVL 1 FIRST 30MIN ..... $976.00

And at the bottom im charged for:

CATH, IV SAFETY 20 1 1/4 ...... $20.00
IV LAC RINGERS 1L 54 ............ $182.00

I was never given an IV or a f**king catheter so im hoping that the hospital left all the previous charges on as if I was going to be knocked out and then also because I wasn't knocked out just charged me for a LVL 1 operation as well. If I am right this knocks my bill from $9,471.29 to $1,536.29 and I am no longer mad Kat what do you think?