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for. I've paid the deductable and the out of pocket maximum, and still they tell the hospital it's ok to bill me. What do you do. Is there a medical insurance reporting agency in California that I can report them to? I'm so tired of being overcharged for medical expenses, don't they even care about their service, is it all about money.
be cool and say ok
If you paid your deductible, and your percentage.... and the insurance company paid their part.... What's left? Are they billing you for the amount that should be discounted? Did you pay the entire deductible and out of pocket amount to the hospital? If not, who did you pay it to? If you paid your deductible to a doctor, you may be due a refund from that doctor. How much is the difference? I need more information. The balance your are being billed is coming from somewhere... Its either your responsibility, the insurance companies, or the hospital's discount... Speak to a supervisor at the insurance company. They should be able to speak with the hospital if needed, to find out where the balance is. If your insurance is not self-funded, you can file a complaint with the California department of insurance. Ultimately, if the claim is processed correctly, that won't help all that much. Look at your insurance EOBs. Does the amount listed as your responsibility match the amount the hospital is billing you?
Okay, there are a few different things that could potentially be going on here. You don't really give enough info to know the details. (And it's all about the details with insurance!) There's the possibility that you may not have actually paid all of the out of pocket maximum. First, that could be because your copayments for things like primary care office visits and prescription drugs often don't count toward your out of pocket maximum. Second, because plans often have separate out of pocket maximums (or there might not even BE an out of pocket maximum) if you go out of network. In fact, some plans pay only the network charge, regardless of who you choose to see (and if you choose to see someone outside the network, anything above that is your responsibility.) There's really no way to answer your question without knowing your plan and your providers. If you have group health insurance, you should ask your benefits manager to explain it to you. If you have an individual plan, check with your agent. Ultimately, you're going to have to do the research if you want to find out what's really going on.
ask the hospital for a detail bill. what you are being charged for could be non covered items like drugs that you could have gotten over the counter. food, soap. non of the "extras" are covered by the insurance and do not count towards the out of pocket. if the charges are not extra and should be covered you can file a complaint with the state insurance commissioner.
| It is important to grow thin gradually, and пошагово to enter into the life those or other restrictions in products. Here the main thing to understand the general principle of how it is arranged and our organism functions, to have patience and understand that extreme growing thin in what good will not result, and is better growing thin without diets. You will grow thin let though and slowly but surely. |