Earlier, I mentioned that insurance companies place the burden upon the insured to verify Pre-Authorization of certain services and procedure. Some physicians are beginning to do so, as well—placing language to that effect in their intake papers. I also mentioned that doctors’ offices sometimes make inadvertent mistakes. Well, this is what happened to me a few months ago…..
My shoulder hurt terribly. What ended being an impingement (fortunately nothing structural), almost cost me many thousands of dollars—a pain in both the shoulder and the pocketbook.
All health insurance companies require pre-authorization for certain procedures and hospital admissions. Your physician will submit the necessary clinical information to the insurance company (or third-party company, which many insurance companies utilize to review and determine such requests).
Believe it or not there are times when the Explanation of Benefits (“EOB”) that comes from your health insurer can be your friend when paying your medical bills. Sometimes, it may be difficult to understand the EOB-how much the insurance company is paying, how much you’re paying, how much is written off, ow much is applied toward your deductible, and why. This EOB is a very important sort of statement of account between you and your insurer. You may be able to learn a bit about it on your insurer’s website. This might be a good time to contact a health advocate.
Hello To All:
Everyone that goes to their doctor inevitably gets blood drawn to analyze aspects of their health. It is an integral part of the doctor diagnosing the state of your health. One of our clients (and he is not alone in this) thought that the cost for the lab to process the results were included in the doctor’s bill. WRONG! (more…)