I am on a high deductible healthcare plan with a $1500/year deductible and a $4000/year out of pocket maximum. I had shoulder surgery about a month ago by a doctor who is extremely well regarded and specializes in joint repair. I received my EOB (explanation of benefits) from my insurance provider to see that the surgery totaled somewhere in excess of $80-90K and I owed the hospital $2200 and the surgeon's private practice office $1800 (hit my out of pocket max).
I paid the hospital but when I called the surgeon's office, they were surprised and said I shouldn't have received a bill. I was calling due to the EOB from my insurance. They told me to just ignore that as this doctor doesn't make his patients pay out of pocket expenses, they just take insurance money.
Is this a legitimate practice within the medical community? Should I be worried that my insurance may find out that I'm still technically below my out of pocket max for the rest of the year?
I've already taken $4000 out of my HSA as well. Should I return $1800 since I won't have medical expenses to pay now?
I'm just paranoid that I'll have something going to collections in a year if I don't pay up.
Thank you for the help!
Submitted July 19, 2017 at 08:56AM by BMP1199 http://ift.tt/2u7XTiv
