At the beginning of the year we switched from an HMO to a high deductible insurance plan. Except for prescriptions, I hadn't gotten any of the bills for appointments until today. I just opened my first Explanation of Benefits and my first bill, came in the mail together. I have not seen either of these types of documents in the last 20 years. HMO's don't send you these. I was watching bills be processed on the insurance website, so I knew where we stood from a deductible stand point. We met our deductible last week, chronic illness is expensive.
One of my doctor's offices just billed me for the full amount of the office visit, even though the explanation of benefits says I owe about 1/3 the amount, due to insurance adjustments. I thought they had to accept the negotiated insurance amount. Of course its Sunday and I can't call the insurance co. or the doctor's office until tomorrow, so I'm just going to sit here and fume, because if all the doctor's I've seen in the last 2 months do this, I'm screwed. Can the doctor's office do that?
CD 20 years officially, 30 unofficially. 3 resections '93, '95 '97
Managing with strict low residue diet, keeping symptoms to a minimum. All test show small amount of ulceration, still have occasional blockages. But still have a great time with my 2 daughters and husband!
Prednisone, 6MP,Prevacid, B12 shots, Bentyl, Xifaxan.....