On August 3, 2012 at 7:45 PM Pacific Time, sevencats wrote:
Along with a copy of your insurance policy, I would make sure that you have a copy of the "explanation of benefits" from the insurance company.That should tell you several very specific things:1) what the hospital billed your insurance; 2) what the "agreed upon" amount is; 3) what the insurance paid; and 4)what your copay, if any, can be. You didn't mention how long ago your surgery was, but sometimes the hospital bills on a regular schedule, and your insurance may not have finished paying. SOme time ago, my father had emergency surgery, and I remember the billing lady at the hospital telling my mom: "You're going to get a bill, and your tendency is going to be to pay it. But don't." She then went on to explain that they bill before they've gotten all the insurance payments in, so, for a big surgery, it may take several months before it's all figured out.
So take a few more deep breaths. Gather info, but try not to let the stress get to you. Thinking good thoughts for you. J
Excellent advice. Wait for that EOB statement then ask more questions if necessary. A friend was getting billed for a massive mistake made by the hospital then they tried to get her to pay for THEIR mistake. Her insurance actually helped her get it straightened out and she was very satisfied with the outcome. The hospital had to pay her back some of her co-pay. This is one case where I even had to applaud a usually evil insurance company.