May I ask a stupid question?

jteach

I was out of work all of last year (chemo, rads, recon,etc).  I've been to the hospital several times for recon.  Although I SOOOOO appreciate my vey expensive DIEP surgeries being covered, I am still being charged $250 by my ins. co. for each surgical hospital visit.  I need more, but can't even afford to pay for the past visits.  Am I entitled to have these deductables covered, or should I just shut up and be grateful that I'm alive and put back together?

Thanks!  Janice 

jdeking

I think you are responsible for the out-of-pocket. I know, it's such a bummer, but thank goodness the most expensive stuff was covered!

AnneW

Deductibles and hospital stay costs are spelled out in your benefits. You can't get around those, nor your premiums without a secondary insurance (which has premiums and deductibles, too.)

Other threads here have mentioned payment plans, etc, or offering the ins company a lump sum that is less than what you owe...

Considering you've had probably more than a quarter million spent on your surgeries, be thankful you don't owe more. I know I sure am!!

jakaba

Sometimes, one or more postsurgical visits are covered by your surgery fee.  Question the doctor's office that they are coding the visits correctly and question the insurance company as to whether they should be covered.  If not, contact the physician/hospital billing office and work out a payment plan so they don't refer you to collections.  Sometimes, even $5 or $10 a month will be acceptable.