Oct 8, 2019 12:32PM DogMomRunner wrote:
First piece of advice- do not pay any provider bill unless you have an EOB (explanation of benefit) that matches the bill and it states that this is the amount the patient is liable for.
You will have to pay the entirety of your deductible and possibly your out of pocket maximum for the calendar year. Your company or insurance provider should have someone or a group of someones that can advocate for you if needed.
I had port placement, lumpectomy, chemotherapy and now radiation therapy. And some of the bills haven’t come in yet.
Watch out for balance billing also. If your healthcare provider does not like what your insurance company wants to give them for reimbursement, they will try to make you pay the balance. I initially got a $77,000.00 bill for the lumpectomy. I had paid my deductible and out of pocket max. My insurance advocate negotiated it down to &26,000.00 and sent me a check for that amount and I paid it. I paid it instead of insurance so they wouldn’t try to come back to me again.
Question every bill!!