r/HealthInsurance • u/Antique_Ad3823 • Jan 26 '25

Employer/COBRA Insurance $20K colonoscopy, when dr’s billing office said $50 in email?

Had a colonoscopy by an in-network doctor, at their own surgery center. Before the procedure I spoke with the doctor and billing office to make sure it was all in-network. They confirmed in writing via email, explicitly said I’d only be responsible for my $50 co-pay, with no out-of-network charges.

Weeks after I get 2 denial EOB letters from my insurance, saying the surgery center and anesthesiologist are out of network, and I’ll owe $20K. After some googling it looks like the surgery center and anesthesiologist aren’t in-network with any insurance!

What is happening? Will the doctor’s office really come after me for $20K, when in writing they said I’d only be billed for $50? If so, what can I do? I’m not sure if No Surprises Act will cover this.

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u/FineRevolution9264 Jan 26 '25

I'm exhausted by all the insurance apologetics on this sub. They disgust me.

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u/10MileHike Jan 26 '25 edited Jan 26 '25

Its okay. Everyone knows who the "plants" and "shills" are here. We look at their histories.

There are a few who are actually helpful.... and are not bashing patients. The ones that bash patients you definitely want to block. I do.

What I go by is what doctors (real ones) share about how insurance companies deal with things.

ITs also one of the reasons many doctors in the U.S. are leaving practice and going into research or other work..

Its not like the abusiveness of SOME insurance companies is a big secret at this point. I think the best thing is to educate yourself but that's hard to do with some of the schills who keep finger pointing at you. Just ignore them.