Any concept as to why the medical insurance covered so little of an expense?
My son had to visit the emergency while within his non-custodial father's care for a head injury. Nothing too serious, but he did involve some glue to close up a wound.
My son is on my medical insurance (Blue Cross/Blue Shield) and they are usually very correct 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 partially of the bill. To top it all off, at hand is still another bill for $407.50 that has yet to be finalized, who know 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 enjoy any ideas as to why? Could it relate at all to the certainty that his father lives out of the area? He lives in a different county from us, 2 hours away. Would that bring in a difference? Could it be the particular hospital? Or the fact that it be an ER visit? I had an ER call in last year and I only concluded paying about 15% of the entire bill.
Answers:
Not all insurances are accepted at every hospital, The hospital your son be 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 own them cover all the costs by sending them your bills. Source(s): I was rushed to the ER, and i have (Kaiser) but was taken to a non-Kaiser Hospital, i later received multiple bills and started getting jittery by the hospital i was treated at, so i called Kaiser and they be able to pay sour everything for me even the ambulance bill. All i paid was a 50 dollar co-payment. Hope this help
It could be that BCBS hasn't finished paying the bill yet. You could have only just gotten the adjustment and the rest of the bill hasn't been paid. This happen a lot with my insurance. My husband and I own gotten a few bills in the mail that we know were wrong so we called the hospital and they said it be a mistake and that the insurance would be rebilled. Never had problems after I called the hospital respectively time. Call the hospital first and see what went on then call for BCBS.
It could be that he took him to an out-of-network hospital, but usually for emergencies, that doesn't business.
Check with your insurance company, they will tell you. And if you appeal it, they might payment more.
If they won't pay more, check with the hospital.... they will be capable of work with you to lower your portion of the bill. Or have your ex reward for it, he took the kid there! At least module of the bill!
I enjoy a couple of thoughts on this. First of all, the previous answers are correct in ring and verify the bill is correct as I also have BCBS and I have be billed twice a couple of times for the same treatment. The second thing I am thinking is check what the individual deductible as okay as the family deductible is. Alot of times, each human being or family has to arrive at a certain dollar amount and then items start man covered over a certain percentage. Also, there are indubitable BCBS plans that have out of Network hospitals and they will only cover resembling 70% of the bill for this! Good luck!
They may be hoping you won't contest it and just pay it. Deny and hope not a soul 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.
Related Questions:
My son is on my medical insurance (Blue Cross/Blue Shield) and they are usually very correct 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 partially of the bill. To top it all off, at hand is still another bill for $407.50 that has yet to be finalized, who know 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 enjoy any ideas as to why? Could it relate at all to the certainty that his father lives out of the area? He lives in a different county from us, 2 hours away. Would that bring in a difference? Could it be the particular hospital? Or the fact that it be an ER visit? I had an ER call in last year and I only concluded paying about 15% of the entire bill.
Answers:
Not all insurances are accepted at every hospital, The hospital your son be 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 own them cover all the costs by sending them your bills. Source(s): I was rushed to the ER, and i have (Kaiser) but was taken to a non-Kaiser Hospital, i later received multiple bills and started getting jittery by the hospital i was treated at, so i called Kaiser and they be able to pay sour everything for me even the ambulance bill. All i paid was a 50 dollar co-payment. Hope this help
It could be that BCBS hasn't finished paying the bill yet. You could have only just gotten the adjustment and the rest of the bill hasn't been paid. This happen a lot with my insurance. My husband and I own gotten a few bills in the mail that we know were wrong so we called the hospital and they said it be a mistake and that the insurance would be rebilled. Never had problems after I called the hospital respectively time. Call the hospital first and see what went on then call for BCBS.
It could be that he took him to an out-of-network hospital, but usually for emergencies, that doesn't business.
Check with your insurance company, they will tell you. And if you appeal it, they might payment more.
If they won't pay more, check with the hospital.... they will be capable of work with you to lower your portion of the bill. Or have your ex reward for it, he took the kid there! At least module of the bill!
I enjoy a couple of thoughts on this. First of all, the previous answers are correct in ring and verify the bill is correct as I also have BCBS and I have be billed twice a couple of times for the same treatment. The second thing I am thinking is check what the individual deductible as okay as the family deductible is. Alot of times, each human being or family has to arrive at a certain dollar amount and then items start man covered over a certain percentage. Also, there are indubitable BCBS plans that have out of Network hospitals and they will only cover resembling 70% of the bill for this! Good luck!
They may be hoping you won't contest it and just pay it. Deny and hope not a soul 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.
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