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Please read. Have no idea what I'm doing. Need advice

March 14th, 2009 at 04:08 am

Okay, this is the whole story:
A few months ago I had to go to a psychologist for some school thing that had to do with disability or whatever. Then he wanted me to take this test but said our insurance wouldn't cover it and it was 200$. We politely said no and then the following month got a happy bill saying 'your insurance has been filed. Please pay 140$. Thanks' that's seriously all it said. Didn't say why. Nothing.

We assume its a mix-up and call and leave a message asking what the bill is for. They never call back. For the next three months I get a bill and they charge me extra. I keep calling asking what the bill is for. They don't call back. When I got a bill last month I told them that I have repeatedly called and never recieved any reply and if I get another bill with no reason why I will view it as harrassment and get my lawyer. It was mostly talk to get them to call back but they didn't.

I get a bill for this month and I scream lawyer so loud I think I broke their machine. TWO days later they finally call back and say 'oh, your insurance didn't cover the visit' why the heck couldn't they say that before?!

Okay, I know I probably should have gone down to the office or paid the bill without knowing what it was for (which I have a problem with btw) but I'm seriously ticked that they didn't even try to get in contact with me and tell me what this bill was over when I called them every other week.

My dad wants me to fight the new charge of 190$ and tell them that since they refused to get in contact with me, we don't see that we have to pay. I dunno. I have a feeling that it wont work. Has anyone had experience with this? Did I screw myself over with not going down there?

Posted in Rantings | 3 Comments »

3 Responses to “Please read. Have no idea what I'm doing. Need advice”

  1. disneysteve Says:
    March 14th, 2009 at 12:46 pm 1237034813
    1237034813

    I'm not entirely clear what happened from the way you described it, but the EOB (explanation of benefits) statement from your insurance company should have clearly spelled out what was billed, what was covered by your plan and what was your responsibility. Then there is usually a code and footnote explaining why something wasn't covered (not a covered benefit, applied toward your deductible, etc.).

    So what did the EOB say?

  2. beautissamiss Says:
    March 15th, 2009 at 12:19 am 1237076398
    1237076398

    There was no EOB. This was the entire letter (I'm looking at it and copying it)

    It gives the place where I owe and their address
    the place to call for billing inquiries
    My name

    Activity balance 190$

    Your insurance has been filed
    This is a current statement of your account. your prompt payment is appreciated.
    Please returm this portion with payment

    That's seriously all it said. That's what all of them have said, nothing else.

  3. disneysteve Says:
    March 15th, 2009 at 02:07 am 1237082853
    1237082853

    Sorry if I wasn't clear. You are referring to the statement that came from the doctor's office. The EOB comes directly from your insurance company. Anytime you have medical care using your insurance, a claim is sent by the provider to the insurance company. Whether it gets paid or not, the insurance company sends you an explanation of benefits form for that encounter.

    If you never received an EOB for this visit, call your insurance company and ask them to send you a copy.

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