I went to the ER of a local hospital recently. When they filed with my insurance for $28,000 my insurance stated ‘condition not covered’ because the hospital and insurance company could not agree on a contract and the hospital was removed from their network this year.
My insurance paid them $2,000 and now I have received a balance bill from the hospital demanding $26,000 dollars.
My state (Tennnessee) does have a new law that states insurance companies must in reimburse out of network emergency providers at the ‘usual and customary’ in network rate. It appears mine has not done this
There is also a law that states facilities must inform the patient at the time of providing service that their facility is considered ‘out of network’.
I did sign all the check in paperwork, all though it was not presented to me until half way through my visit, and of course I didn’t read it all. The registration clerk told me it was a ‘permission to treat’
This week the hospital sent me a letter saying I could apply for financial assistance if I submit my last 2 tax returns... (I make 100k a year)
I plan to appeal my insurance company. Other than that do I have any options ???
Submitted March 31, 2019 at 05:52PM by mmutk https://ift.tt/2Ull0p3
