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Wow, my insurance has me royally confused


Forum: July, August & September 2012 Playroom

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  • 1 Post By d_tops

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  #1  
February 9th, 2012, 09:56 AM
3Sapphires's Avatar Platinum Supermommy
Join Date: Feb 2008
Location: the mountain state
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So, I wrote to the insurance company asking them what I should expect to pay out of pocket.

the response was if I use an in-network provider I will have to pay $20/prenatal visit, no other charges.

I go to my appointment, they don't charge me a co-pay. I look up the claim online, and I am not responsible for any co-pay.

not that I am complaining, but how can the insurance not even know what I am or am not responsible for?

retarded.
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Last edited by 3Sapphires; February 9th, 2012 at 10:21 AM.
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  #2  
February 9th, 2012, 10:20 AM
momma_d's Avatar Platinum Supermommy
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lol that does sound confusing! geesh!
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  #3  
February 9th, 2012, 10:40 AM
Kierasmom's Avatar Platinum Supermommy
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What a pain!
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  #4  
February 9th, 2012, 11:02 AM
Dee
Join Date: Feb 2012
Posts: 1,329
If they got that one wrong, I would be worried about what could go wrong in the other direction! Whenever I call my insurance provider, a very nice customer service person reads to me from the website... I don't know about you, but I've stopped counting on them for clarity.
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  #5  
February 9th, 2012, 11:31 AM
3Sapphires's Avatar Platinum Supermommy
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no kidding! LOL

I check my claims pretty well - I will be all over them if they screw up!
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  #6  
February 9th, 2012, 11:38 AM
JulieMc's Avatar Loving my babies. :)
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Some charge you for everything after you've had the baby.
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  #7  
February 9th, 2012, 11:40 AM
MJTKNT's Avatar Mega Super Mommy
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Is it possible that the Dr. office will just send you a bill? We have a $10 copay, and sometimes they don't ask for it when we go, but we always receive a bill later. Sometimes, too, they'll charge you the copay at your initial visit, but since the others are "continued care" they don't charge you afterwards. I'd call and speak with someone else for more clarity.
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  #8  
February 9th, 2012, 11:50 AM
lovemyleah's Avatar Platinum Supermommy
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Wow, I hope your insurance stays that great...Mine is royally sucking right now, but I guess I'm grateful to have it!
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  #9  
February 9th, 2012, 12:37 PM
3Sapphires's Avatar Platinum Supermommy
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I looked at the claim, there is no co-pay. All the other claims I have looked at tell me if there is a copay, whether paid or not. This claim doesn't have one.

so they can't make up a bill and send it to me
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Last edited by 3Sapphires; February 9th, 2012 at 12:42 PM.
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  #10  
February 9th, 2012, 01:46 PM
Mrs_Crystal_K's Avatar Super Mommy
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That is confusing....

I had a $15 co-pay for my first prenatal appt and then no more copays for those visits going forward.

For the hospital stay it's $100 per day co-pay, for a max of $500 out of pocket. So confusing!
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  #11  
February 9th, 2012, 02:42 PM
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they may have counted it as your free annual gyn visit, you get one free exam usually a year and from your family doc a wellness visit, so if you hadnt used it they will use that free visit first
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  #12  
February 9th, 2012, 04:48 PM
GiftsfromGod's Avatar Platinum Supermommy
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Ugh insurance can be SO frustrating. We have great insurance right now but there is a really good possibility that my DH will be getting a new job in the next 6-8 weeks. It is as the pastor of a church so they don't have a group insurance plan or anything so we have spent hours and hours over the past week trying to find a decent plan at a somewhat affordable price that will take me part way into a pregnancy (most of the maternity plans have a 12 month waiver) SO frustrating
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  #13  
February 9th, 2012, 05:59 PM
Angelamomtomany's Avatar Mega Super Mommy
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Sorry your insurance is a pain.

I have a bit of a sensitive request. Can we not use the "R" word. Using it to mean someone is unintelligent is degrading to people with special abilities. It makes my heart hurt. Spread the word to end the word.
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  #14  
February 9th, 2012, 07:03 PM
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Quote:
Originally Posted by jennylynnf View Post
they may have counted it as your free annual gyn visit, you get one free exam usually a year and from your family doc a wellness visit, so if you hadnt used it they will use that free visit first
nope, just had my yearly visit before I found I out I was pg
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