I know it's been a while since I've posted anything, but when life happens blogging goes by the wayside. I wanted to share my own recent experience of being on the other side of healthcare...this time I was the patient.
About a month ago I had (in network) outpatient surgery and got to put my medical insurance to the test. About a week and a half before surgery I went to the hospital for my pre op and registration. When I got to the registration desk they confirmed all of my information and took a copy of my insurance card and were about to send me on my way until I reminded them that I owed an outpatient surgery copay. If you want to avoid getting unexpected bills later, know your policy! I paid my $250 copay and went on my way.
The day of surgery was all business, no more payments, just surgery.
Four weeks post surgery I went online to view my EOB (explination of benefits) and see how much my inusrance carrier reimbursed all the providers. I was billed by my surgeon, the hospital, and anesthesia as expected. The total amount billed for all of these was over $23,000 (keep in mind this is not what was paid, only what was billed) and all I owed was the $250 out patient surgery copay (that I'd already paid). I was extremely pleased.
Random tid-bit:
Anesthesia bills for every 15 minutes worth of "the good stuff." I did a break down and it costs about $315 for 15 minutes worth of anesthesia. Worth. Every. Penney.
You can email any questions or comments to:
deargabbyinsurance@yahoo.com
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