Submitted by theHeartNurse t3_z8xlav in personalfinance
I have pretty good medical insurance; my husband and I decided to fork out the money for the best insurance premium possible last year when signing up for benefits.
I recently had a test done through a hospital system that stated that I would be required to pay about $516 up front before the test.. I paid it, get the test done, and later my EOB has a patient responsibility of $72 for this particular test..
I call billing to question the discrepancy and they said the sent the extra $444 to another medical bill through the same hospital system (for my daughter that I’m already on auto-pay monthly for). Not happy about it because times are already tough, but I let it go because we still owe a lot toward that particular bill.
Here we are again with the same issue - not the same hospital system. I am pregnant and my OBGYN has me on a payment plan through their practice for all prenatal care (this does not include hospital or delivery fees). I am maybe 12 weeks away from my delivery.. My EOBs for his office so far if added up have a patient responsibility of around $120 TOTAL. I have prepaid their office about $128 MONTHLY for the past 5 months and still have 2 payments remaining.
I’m sure I can get this refunded somehow as well but this is so ridiculous. They made me sign paperwork stating I would pay as much as I could toward this plan to receive prenatal care, it’s not like I was given an option. How do I even approach this? Do I bring my EOBs to their billing department and ask them how they are coming up with these numbers?
Also, I know I will be expected to “prepay” toward my hospital delivery costs. How can I ensure they aren’t drastically overcharging me?
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