Any ideas as to why the medical insurance covered so little of an expense?!
Question: Any ideas as to why the medical insurance covered so little of an expense!?
My son had to visit the emergency while in his non-custodial father's care for a head injury!. Nothing too serious, but he did need some glue to close up a wound!.
My son is on my medical insurance (Blue Cross/Blue Shield) and they are usually very good about covering most of the medical costs!. However, I received a bill today for the hospital and the total charges were $816 and my responsibility is $477, over half of the bill!. To top it all off, there is still another bill for $407!.50 that has yet to be finalized, who knows how much of that one will be billed to me!.
I plan to call the insurance and ask why so little was covered!. But does anyone have any ideas as to why!? Could it relate at all to the fact that his father lives out of the area!? He lives in a different county from us, 2 hours away!. Would that make a difference!? Could it be the particular hospital!? Or the fact that it was an ER visit!? I had an ER visit last year and I only ended paying about 15% of the entire bill!.Www@Answer-Health@Com
My son is on my medical insurance (Blue Cross/Blue Shield) and they are usually very good about covering most of the medical costs!. However, I received a bill today for the hospital and the total charges were $816 and my responsibility is $477, over half of the bill!. To top it all off, there is still another bill for $407!.50 that has yet to be finalized, who knows how much of that one will be billed to me!.
I plan to call the insurance and ask why so little was covered!. But does anyone have any ideas as to why!? Could it relate at all to the fact that his father lives out of the area!? He lives in a different county from us, 2 hours away!. Would that make a difference!? Could it be the particular hospital!? Or the fact that it was an ER visit!? I had an ER visit last year and I only ended paying about 15% of the entire bill!.Www@Answer-Health@Com
Answers:
It could be that he took him to an out-of-network hospital, but usually for emergencies, that doesn't matter!.
Check with your insurance company, they will tell you!. And if you appeal it, they might pay more!.
If they won't pay more, check with the hospital!.!.!.!. they will be able to work with you to lower your portion of the bill!. Or have your ex pay for it, he took the kid there! At least part of the bill!Www@Answer-Health@Com
Check with your insurance company, they will tell you!. And if you appeal it, they might pay more!.
If they won't pay more, check with the hospital!.!.!.!. they will be able to work with you to lower your portion of the bill!. Or have your ex pay for it, he took the kid there! At least part of the bill!Www@Answer-Health@Com
It could be that BCBS hasn't finished paying the bill yet!. You could have just gotten the adjustment and the rest of the bill hasn't been paid!. This happens a lot with my insurance!. My husband and I have gotten a few bills in the mail that we knew were wrong so we called the hospital and they said it was a mistake and that the insurance would be rebilled!. Never had problems after I called the hospital each time!. Call the hospital first and see what went on then call BCBS!.Www@Answer-Health@Com
They may be hoping you won't contest it and just pay it!. Deny and hope no one complains is practically written policy for a lot of companies!. I would try contacting them!. Read your policy carefully and see if there's anything that might explain the difference!.Www@Answer-Health@Com
I have a couple of thoughts on this!. First of all, the previous answers are correct in call and verify the bill is correct as I also have BCBS and I have been billed twice a couple of times for the same treatment!. The second thing I am thinking is check what the individual deductible as well as the family deductible is!. Alot of times, each person or family has to reach a certain dollar amount and then items start being covered over a certain percentage!. Also, there are certain BCBS plans that have out of Network hospitals and they will only cover like 70% of the bill for this! Good luck!Www@Answer-Health@Com
Not all insurances are accepted at every hospital, The hospital your son was treated at would bill your insurance for the costs associated with your son's injuries, also you might be getting billed by the doctors that treated your son, since sometimes the doctors working for the hospital are Independent Contractors!. If you call your insurance company usually you can have them cover all the costs by sending them your bills!.Www@Answer-Health@Com