I know, I really wanted this to a family friendly website but I am just beyond upset. I feel kind of bad complaining when there are so many people more unsecure with their medical insurance BUT. . . I was opening Penelope's cardiologist bill from Nov 5 that came in the mail today. Jokingly, I said to Scott, "Merry Christmas, here is our cardiology bill." To my utter dismay, our balance is $502. I just didn't understand why the insurance paid so little. We had an appointment back in January and we paid our co-pay of $35 at the office, then the dedcutible of $300 and the $80 or so that was the 10% co-insurance, then another appointment in May where we owed about $80 after the co-pay.
It was only 5:15 pm so I called the insurance company and learned that our cariologist became out of network on Oct. 18. ONLY 2 WEEKS PRIOR TO OUR DATE OF SERVICE. Can you believe that no one told us that they were out of network. I mean come on, how are we to know? I asked the insurance rep that same question and she told me that I could always check online before every doctor's visit. It is nothing short of a miracle when we make it there on time, who has time to check online every time for doctors to be coming on and off network. Besides which, I passed my insurance card to the receptionist when I paid my co-pay, and she could have told us then. I made the appointment in September when there were still in network. I am just really frustrated about this. I even asked the representative for the other pedi cardiologists in the area to see if I could get on the gap exception angle, but there is a dr. in Vernon.
Because Dr. S is now out of network, we got hit with a $300 out of network ded, and then 30% for the co-insurance. Argh!!!
I plan on calling next week to argue the bill, but I think I am more upset that I have to change physicians on Penny. Dr. S has seen Penny since she was 1 day old. Plus we have to do that MRI next year. Any advise would be welcome on this subject.