A couple of weeks ago, my health insurance started sending me emails, reminding me that it wasn’t too late to get my (free!) annual check-up AND receive a 40$ Amazon gift certificate. The latter is what had me cave in. Plus, it seemed legit to have my health checked – better to be safe than sorry.
So, I got online and browsed their list of doctors, and chose an office close to my job, so I could head in prior to work.
Needless to say, when I called, I double-checked whether this female doctor whom I hoped would become my local generalist, accepted my insurance. I checked again when I finally got to the appointment, and when they wanted about every bodily fluid to exam at the lab, I triple-checked whether all these costs would be covered. I’m not peeing in a cup if it’s going to cost me 400 bucks, thank-you-very-much.
But all was good, the results came back without anything to worry about. Healthy as a horse, this one!
Until I checked the page at the insurance’s website today and I nearly died of a heart attack: it stated the lab work claim had been approved (for an amount of 483 dollars!), but my visit to the doctor itself got denied, and I owed 398 dollars.
Say what!? Hell, no!
In the past, I probably would have cried a little, and then eventually shrug and spend about 400 dollars on a doctor’s visit I hadn’t really needed to begin with. But I refused to let this go. And so I send them a nice an email.
I emailed this to customer service also, but I’m so aggravated that I wanted to address this:
a couple of weeks ago, I got some emails calling for an annual check-up. No harm, no foul, I thought, and since 2 doctor’s visits are included in my plan, I used your search tool for a doctor.
Now, I see that the claim for this visit was denied and I should pay almost 400$??? for someone to put a stethoscope on my chest and have me pee in a pot??? Because she’s “out of my network”? How is that even possible if I found her through the your recommended doctors??
We pay over 400$ a month get my ass covered here in the States, and I cannot agree with this way of working – which, since I found this doctor through your search engine – is misleading.
I had an email back within the hour, stating there had been a mistake, and I didn’t owe a single penny.
And that, people, is why you need to question everything.