I had put a post on here about a month ago on what bills were coming to on my wife's gall bladder removal...Assurant Health, her health plan, has officially screwed us.
My wife had called in to get a pre-approval, submitted the codes, and they said the procedure was "covered." Now that the bills are coming in, they are now telling us that our coverage only allows $2500 maximum on an outpatient procedure. The total bill is about $15k.
Couple of points:
I would have thought they would have told us this from the start...as we would have asked the hospital how this could have been classified as an "inpatient" procudere...i guess maybe staying in the hospital for a night?
Here we do our best to keep the cost down, b/c if she would have stayed in the hospital another night it probably would have tacked on another $1500 to the bill; and now we have litterally gotten screwed by the insurance company!
Is there an outpatient procedure that only runs $2500?
This is like me calling State Farm, asking if my policy covers a tow, they say yes, but when I submit the claim the claim is denied.
Of course Assurant Health is going to say that there are no gurantees of coverage, but shouldn't they have disclosed what was covered on this procedure?
My wife had called in to get a pre-approval, submitted the codes, and they said the procedure was "covered." Now that the bills are coming in, they are now telling us that our coverage only allows $2500 maximum on an outpatient procedure. The total bill is about $15k.
Couple of points:
I would have thought they would have told us this from the start...as we would have asked the hospital how this could have been classified as an "inpatient" procudere...i guess maybe staying in the hospital for a night?
Here we do our best to keep the cost down, b/c if she would have stayed in the hospital another night it probably would have tacked on another $1500 to the bill; and now we have litterally gotten screwed by the insurance company!
Is there an outpatient procedure that only runs $2500?
This is like me calling State Farm, asking if my policy covers a tow, they say yes, but when I submit the claim the claim is denied.
Of course Assurant Health is going to say that there are no gurantees of coverage, but shouldn't they have disclosed what was covered on this procedure?
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