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medical bills

Posted by on Dec. 12, 2014 at 4:18 PM
  • 18 Replies
So I'm having a hard time navigating this whole healthcare thing. Anyone else?

So I'm 28 I had state care then non when I no longer qualified. So I got insurance with obamacare bc we're required to right?

Well I went to my doctors for issues & find out I have arthritis. I had xrays done at their hospital (practice & hospital have the same name & are the same company). I get physical therapy done at the practice.

Well today after some time I go back to my doctors for another issue. Well the receptionist goes its $15 for this co pay today & you owe us $249 that's gone to collections & she slides me a card.

I'm like excuse me, collections? See I've been calling the hospital billing Dept & making payments so I got mad & told her to take the $15 only.

So I call the # I've been calling just a moment & pay $25 towards my bill. I tell that lady the story & she foes well that makes no sense your in good standing & you only until my payment today owed like $180.

So now confused. I get the card the receptionist gave me & dial a # on that, expecting to get to the same dept I just spoke to.

Nope I get another one. That woman says I do owe $249 & its way over due. So I ask about the other phone # I've been calling.

So I find out there are 2 billing dept one for the hospital for xrays, er, blood work etc then another billing Dept for the clinics such as the one my primary is at & physical therapy.

She goes we sent bills they are maroon I'm like mine are all white with the other phone # on them. Well I'm mad, how was I to know? Is this common knowledge in networks?

I told her I could not make a payment now bc I just laid the other dept & advised it better not go to collections & wanted a manager.

Manager had left she will call Monday. But ugh, Kay ranting over. All this medical billing has me confused honestly! Anyone else have troubles with medical bills & navigating who wants what?
by on Dec. 12, 2014 at 4:18 PM
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Replies (1-10):
cjsmom1
by Group Admin on Dec. 12, 2014 at 6:48 PM
1 mom liked this

This new health insurance thing isn't no where as good as it sounded. I don't have insurance and won't be able to afford insurance, even with the new plans.

Anonymous
by Anonymous 1 on Dec. 12, 2014 at 7:01 PM
2 moms liked this

This is not NEW, it is the way insurance works.  You owe the dr and have a copay for the dr.  Then, there is an amount for the physical therapy visit.  When you have x-rays, you normally owe the facility AND the radiologist who read and made a report about the x-ray.  When you have blood work drawn, you owe the facility where the blood is drawn and THEN, you owe the pathologist who issues a report about the findings of the blood work. Normally, when you sign up for insurance, you are told what your office copay is. That only covers the doctor's office.  For my insurance, there is a different copay for any specialist and it is 3x the regular office copay.  If you have to go to the ER, there is normally a much higher copay for the emergency room and it is done that way to deter people from going to the ER.  If you are admitted, the ER copay is normally waved and it goes into the hospital charge.  My insurance charges a $500 a day copay.  Surgery charges are even more complicated.  

Normally, the less you pay for your premium, the more you pay out of pocket. Just because you tell them not to send a bill to collections does not mean they won't. Insurance programs are all different and it is up to the person who takes out the insurance to know what they plan pays for and to try to keep up with the bills. My insurance charges $50 for EVERY physical therapy visit and that adds up. 

It is expensive, but just think that if you did not have insurance, you would owe all of it yourself.  One MRI can cost thousands of dollars depending on where you have it done.  I have medicare and pay over $200 a month in premiums, but without it, I would be in much worse shape.  One of my medications is $400 a month and another is $1500 a month. 

LifeCafe42
by on Dec. 13, 2014 at 11:27 AM
Everyone's insurances and co pays are different everything has a copy. I'm sorry they didn't collect at the time of your services but it does add up
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just4ds10ee
by Bronze Member on Dec. 13, 2014 at 12:34 PM
2 moms liked this

As a nurse and mom I can tell you this is not new...the doctor, physical therapy, lab , X-rays, etc are all separate bills; co pay only covers the visit for the doctor

Perle1
by on Dec. 13, 2014 at 5:58 PM
Yeah, each person or dept involved in your care will send separate bills. If you haven't been receiving the bills, that's a problem. But definitely don't assume you've already paid a bill until you look at it closely. It sucks, but it's always been that way. I have a chronic health condition so add up the max out of pocket and the monthly premium to help choose the least expensive overall, assuming I will meet my deductible and have to pay the max out of pocket.
mrsary
by Gold Member on Dec. 13, 2014 at 6:10 PM
This is very good to know!

Quoting Perle1: Yeah, each person or dept involved in your care will send separate bills. If you haven't been receiving the bills, that's a problem. But definitely don't assume you've already paid a bill until you look at it closely. It sucks, but it's always been that way. I have a chronic health condition so add up the max out of pocket and the monthly premium to help choose the least expensive overall, assuming I will meet my deductible and have to pay the max out of pocket.
Perle1
by on Dec. 13, 2014 at 9:18 PM


Quoting mrsary: This is very good to know!
Quoting Perle1: Yeah, each person or dept involved in your care will send separate bills. If you haven't been receiving the bills, that's a problem. But definitely don't assume you've already paid a bill until you look at it closely. It sucks, but it's always been that way. I have a chronic health condition so add up the max out of pocket and the monthly premium to help choose the least expensive overall, assuming I will meet my deductible and have to pay the max out of pocket.

I never used to do this,but last year I spent about 10k out of pocket. This year it will be about 6k. I have a health savings acct that I put pre tax money into to help, but I think the max is 2500. i wouldn't necessarily take the approach I use unless you are fairly confident you will be maxing out your out of pocket. My insurance is a little over 300/mo for myself only and it's through work. I upgraded the coverage and pay more per month for a low deductible but only because the math added up to a lower yearly expense, and my insurance payments are pretax so it lowers my tax bill a little. It freaking sucks, but it is what it is. I actually feel blessed to have a decent salary to deal with this. IDK WTF I would do if my income was lower. 

mrsary
by Gold Member on Dec. 13, 2014 at 9:24 PM
I just got out the army and can't afford insurance for my kids and I. Healthcare.gov is income based and goes off of my annual pay for catastrophic plans which sucks!

Quoting Perle1:

Quoting mrsary: This is very good to know!

Quoting Perle1: Yeah, each person or dept involved in your care will send separate bills. If you haven't been receiving the bills, that's a problem. But definitely don't assume you've already paid a bill until you look at it closely. It sucks, but it's always been that way. I have a chronic health condition so add up the max out of pocket and the monthly premium to help choose the least expensive overall, assuming I will meet my deductible and have to pay the max out of pocket.

I never used to do this,but last year I spent about 10k out of pocket. This year it will be about 6k. I have a health savings acct that I put pre tax money into to help, but I think the max is 2500. i wouldn't necessarily take the approach I use unless you are fairly confident you will be maxing out your out of pocket. My insurance is a little over 300/mo for myself only and it's through work. I upgraded the coverage and pay more per month for a low deductible but only because the math added up to a lower yearly expense, and my insurance payments are pretax so it lowers my tax bill a little. It freaking sucks, but it is what it is. I actually feel blessed to have a decent salary to deal with this. IDK WTF I would do if my income was lower. 

Perle1
by on Dec. 13, 2014 at 9:29 PM

If your income is low enough you might qualify for Medicaid for the kids at least. I work in a community health center and we take uninsured as well as insured. The medicines from our pharm are sold at cost, sometimes cheaper than with my copy, so I have gotten them from our pharmacy paying cash in the past. The only kicker is that paying cash does not count towards the deductible on insurance. You should see if your kids can get Medicaid at the very least. It's much easier to qualify children for public insurance than an adult.

Quoting mrsary: I just got out the army and can't afford insurance for my kids and I. Healthcare.gov is income based and goes off of my annual pay for catastrophic plans which sucks!
Quoting Perle1:


Quoting mrsary: This is very good to know!
Quoting Perle1: Yeah, each person or dept involved in your care will send separate bills. If you haven't been receiving the bills, that's a problem. But definitely don't assume you've already paid a bill until you look at it closely. It sucks, but it's always been that way. I have a chronic health condition so add up the max out of pocket and the monthly premium to help choose the least expensive overall, assuming I will meet my deductible and have to pay the max out of pocket.

I never used to do this,but last year I spent about 10k out of pocket. This year it will be about 6k. I have a health savings acct that I put pre tax money into to help, but I think the max is 2500. i wouldn't necessarily take the approach I use unless you are fairly confident you will be maxing out your out of pocket. My insurance is a little over 300/mo for myself only and it's through work. I upgraded the coverage and pay more per month for a low deductible but only because the math added up to a lower yearly expense, and my insurance payments are pretax so it lowers my tax bill a little. It freaking sucks, but it is what it is. I actually feel blessed to have a decent salary to deal with this. IDK WTF I would do if my income was lower. 


mrsary
by Gold Member on Dec. 13, 2014 at 9:43 PM
CHIP told me I can't have money in the bank to qualify! My employer offers insurance at 60 or 90 days. I hope we can make it til then. Been working there almost 30 days now. Also found out about this healthcare assistance thing here in Harris County, Tx. Just mailed off my application for it!

Quoting Perle1:

If your income is low enough you might qualify for Medicaid for the kids at least. I work in a community health center and we take uninsured as well as insured. The medicines from our pharm are sold at cost, sometimes cheaper than with my copy, so I have gotten them from our pharmacy paying cash in the past. The only kicker is that paying cash does not count towards the deductible on insurance. You should see if your kids can get Medicaid at the very least. It's much easier to qualify children for public insurance than an adult.

Quoting mrsary: I just got out the army and can't afford insurance for my kids and I. Healthcare.gov is income based and goes off of my annual pay for catastrophic plans which sucks!

Quoting Perle1:

Quoting mrsary: This is very good to know!

Quoting Perle1: Yeah, each person or dept involved in your care will send separate bills. If you haven't been receiving the bills, that's a problem. But definitely don't assume you've already paid a bill until you look at it closely. It sucks, but it's always been that way. I have a chronic health condition so add up the max out of pocket and the monthly premium to help choose the least expensive overall, assuming I will meet my deductible and have to pay the max out of pocket.

I never used to do this,but last year I spent about 10k out of pocket. This year it will be about 6k. I have a health savings acct that I put pre tax money into to help, but I think the max is 2500. i wouldn't necessarily take the approach I use unless you are fairly confident you will be maxing out your out of pocket. My insurance is a little over 300/mo for myself only and it's through work. I upgraded the coverage and pay more per month for a low deductible but only because the math added up to a lower yearly expense, and my insurance payments are pretax so it lowers my tax bill a little. It freaking sucks, but it is what it is. I actually feel blessed to have a decent salary to deal with this. IDK WTF I would do if my income was lower. 

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