r/HealthInsurance • u/redhd1226 • Jul 16 '25
Employer/COBRA Insurance Is there anything to be done? I am devastated
My employer recently signed up for a PEO and now our insurance has changed to United on 6/1/25. We were previously on BCBS. I have inoperable aggressive degenerative disc disease with multiple herniations and collapsing discs. I’ve had 2 previous back surgeries. It’s a long story. I’m under pain management and have lumbar injections every 3 months. Last injections were 6/9/25.
Yesterday I get a bill for over $500. Call United and was told yes it’s right, that’s considered surgical and part of my deductible. I’ve never paid more than the $50 copay with BCBS for years and years. Due to errors by the PEO we had no access to an explanation of benefits prior to the date, I had the appointment and went.
Is there anything I can do? Is there something out there? I can’t pay $500 every three months and the injections are all I have left to function and continue a somewhat tolerable existence with this chronic pain.
I am really sorry if this post is hard to follow. I have literally been spiraling since learning this last night. And I am on no sleep trying to learn anything to help me.
Edit - to answer some questions Plan name - UHC POS Non Gated INN/ONN. New deductible $2500 Out of pocket max - $6000 It’s not a medication distributed on a pharmacy level, it’s a procedure in a doctor’s office where they inject a form of steroids in the S1 lumbar disc space.
SECOND EDIT, PLEASE READ - the shots are given at the doctor’s office, not a hospital, not a surgical setting. It is literally a walk-in appointment nothing special here guys.
I just got off the phone with the doctor’s office along with United. Basically it has been confirmed what others here had mentioned…….the plan that was chosen through the employer does not cover the injections like a more expensive plan would have. There is no coding it differently it’s simply the crappiness of the plan and it not being “rich” enough to cover it, like my old plan with BCBS. I appreciate everyone’s suggestions but unfortunately I think I truly am stuck here.
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u/Which-Ad-2020 Jul 16 '25
I am sorry for what you are going through. Chronic pain is serious. I wish we had universal health care. Having health care through an employer is a stupid set up and all the red tape is frustrating.
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u/BaltimoreBee Moderator Jul 16 '25
There’s nothing you can do but complain to HR about the new higher cost sharing. They might change it back next year…. For the rest of this year, you’re gonna have to pay the $500 until you reach your deductible. Then you’ll pay only a copay or coinsurance, so figure out what your deductible is and budgeting for it is step 1.
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Jul 16 '25
[deleted]
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u/secondcitykitty Jul 16 '25
If it’s saving the owner money, it’s not better for employees, it’s better for the owner. The owner lied.
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u/Bobba-Luna Jul 16 '25
So sorry you’re going through this OP, just FYI, this sub is notorious for being unsympathetic and unhelpful. I sometimes suspect that the people answering questions here work for health insurance companies. 🙄
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u/redhd1226 Jul 16 '25
Thank you so much.
I totally understand about deductibles and out of pocket and while I like everyone’s thoughts about the big picture. I’m really not seeing it helpful. No offense to anyone who mentioned it. I was hopeful someone might have known of a supplemental plan or basically anything else than what I already knew.
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u/CommanderMandalore Jul 16 '25
If you stay with your employer you can put $2000 into an FSA or HSA.
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u/Objective-Amount1379 Jul 19 '25
I don’t work for an insurance company, though I used to sell PEO services. But I’m not sure why you’d complain if there were employees answering- they undoubtedly understand how these plans work and how to best maximize your benefits.
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u/Any_Scientist4486 Jul 16 '25
That's good, though, y'all can sway him. And it being a private company - scratch my previous question about HSA cards - he probably didn't do that🥴
But yeah, there's probably more options for places to get care, but who gives a fuck if you can't afford to go??????
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u/YardworkTakesAllDay Jul 16 '25
You are only looking at one aspect - the cost of a single procedure.
When you look at the whole picture, you may be coming out ahead.
- what is the deductible
- what is the oop
- what is the premium
- what are the benefits.
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u/redhd1226 Jul 16 '25
Honestly it’s the only aspect that’s changed exponentially. Doc visit copays went up by $10, specialists also by $10. Prescriptions haven’t changed. I think I answered your other questions above.
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u/Suspicious-Track-801 Jul 17 '25
Hi- usually the join a PEO to get better benefits at a lower cost as it puts them in a larger pool so I’m sorry if the benefits seemed to go down. What is your Coinsurance? (Common is 80%). First you pay up to your stated deductible ($2500), then you pay per coinsurance (if your plan shows 80% then your portion would be 20% of the cost) until you reach your out of pocket max. Unfortunately you will have to pay the cost (but you can appeal it with them to try to have it under a non- surgical specialist visit). Ask for a copy of the plan SPD or handbook so it shows you all the fine details of what’s covered and how. I work in the healthcare industry (and it is an industry) and it is a hot mess.
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u/redhd1226 Jul 17 '25
Yes it is 80/20. I don’t think I could appeal it though. There is a coverage expense tracker on the app for United. As soon as I put in lumbar injections it seems there are no secondary or other considerations for them. They classify it just the one way.
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u/Suspicious-Track-801 Jul 17 '25
I would still ask your provider (dr who does the injection) to help you appeal it. He’s the one going to write it up and then they will code it. Still possible that you may be able to get it as a specialist visit outpatient procedure
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u/YardworkTakesAllDay Jul 16 '25
You are only looking at the cost of treatment. If your premium, deductible and/or oop reduced in cost that is where you are going to see the benefit.
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u/redhd1226 Jul 16 '25
You’re right. I don’t deny that. However the big picture could be fabulous but when a treatment is needed every 3 months to maintain mobility that’s what matters. My life consists of prescriptions, pain management appointments and injections. Haven’t used anything else since 2023 when I found out I was inoperable.
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u/Any_Scientist4486 Jul 16 '25
In this day and age, I SERIOUSLY DOUBT the plan is about the same as the other one, just with expenses switched around.
Employers are cutting costs and I'm sure (even before their edits) that the employer has gone to a lower plan, in addition to the fact that they are making this post so that also tells me that something has fundamentally changed for the worse.
I get that we need to step back for many situations and not fly off the handle, but insurance costs isn't one, IN MY OPINION, the consequences are usually IMMEDIATE for chronic illness-havers.
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u/look2thecookie Jul 16 '25
You need to look at your deductible and out of pocket max.
These are the key pieces you're missing. You could literally hit your deductible after one treatment and your insurance will cover a lot more
Once you hit your out of pocket max, they will pay for all covered care.
Also, make sure your clinic is still in-network.
I understand paying $500 is a lot, but what if you only have to pay it once and then it goes way down? Or you pay it twice and it's all covered?
I suggest you get some sleep and come back later when you can understand all of this and look into it. It's really confusing and annoying. I'm sorry you're dealing with this
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u/redhd1226 Jul 16 '25
New deductible $2500 Plan name - UHC POS Non Gated INN/ONN Out of pocket max - $6000
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u/Objective-Amount1379 Jul 19 '25
Your plan information is likely a booklet that is hundreds of pages. Telling us the name of the plan and two numbers is not helpful. You need to do a deep dive, read the plan, talk to your doctors office, and call the contact your employer provides.
I’m sorry, I know you’re looking for a simple answer but there isn’t one. Every plan can vary with every employer. I could have UHC Gold (or whatever) and you could also have UHC Gold and we could have different levels of coverage. My employer might have opted to cover XYZ. Your employer might cover ABC.
I’ve sold these plans- they are complicated and no one can give you specific answers. That is why you have plan documents
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u/SwimmingAway2041 Jul 16 '25
I think maybe you’re the one that needs some sleep and learn to read the entire post. The OP posted the deductible and out of pocket max right at the end under edit
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Jul 16 '25
[removed] — view removed comment
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u/look2thecookie Jul 16 '25
It's extremely funny when ppl try to call you dumb while being dumb and showing how they're being dumb in their own comment. I checked the person's comments for the info and re-read the post for edits. Nothing there.
And I wasn't being rude when I suggested sleep. They said they're on "no sleep" over their worry and it's extremely hard to process information when you're in that state
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u/SwimmingAway2041 Jul 16 '25
I apologize for my ignorance after I asked my daughter who is a lot more up on things like Reddit than I am about adding to your post after it’s been posted and to my shock she said yes I did not realize you could add to your post after it’s been posted I thought once it was posted that was it not knowing that you can indeed add to it later. Learn something new everyday
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u/fishofdeath Jul 16 '25
The only advice I can offer is to make sure the EOB matches the schedule of benefits and they aren’t wrong about applying it to the deductible. Also, double check that the procedure code(s) are correct.
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u/Comntnmama Jul 16 '25
Are you paying less per month? Def ask about an HSA. I'm a chronic illness person too and insurance changes suck. I had one year where my monthly premiums were lower but I paid more out of pocket. Maybe direct some of your paycheck to a separate account just for health stuff. If I don't see it in my main checking account it's easier and doesn't feel so painful.
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u/MikeUsesNotion Jul 16 '25
Sounds like your plan also switched from a copay plan to a coinsurance plan, maybe to a HDHP plan. Did you get to sign up for an HSA?
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u/redhd1226 Jul 16 '25
Not to my knowledge. Filled in some more blanks above.
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u/CommanderMandalore Jul 16 '25
If you can’t afford this your only option is to get a new employer. I’m sorry. I feel for you. Based on what I’ve read you should expect to spend $2000 minimum per year.
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u/Any_Scientist4486 Jul 16 '25
Did your employer happen to offer an HSA account, by any chance?
When mine changed to a terrible plan like this they offered to match or give like $1000 (to cover $1k of that $2500 deductible) on an HSA debit card. They usually do something like that, but unless you know what you're looking at, you may not have known.
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u/redhd1226 Jul 16 '25
Unfortunately no. We just offered 3 plans each with a different deductible/out of pocket structure.
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u/Any_Scientist4486 Jul 16 '25
Did you pick the most expensive one, to keep your copays/deductible as low as possible? Not accusing - just curious.
This shit makes me fucking furious, BTW. Me and Pepperidge Farm are old enough to remember when all you did was pay your paycheck premium and office copay and you were good.
Some of the younger people don't even know about those days.
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u/Purple-Committee-890 Jul 16 '25
My insurance was $5 a week in 1993 with @ $15 copay and $500 deductible. 😭.
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u/nothing2fearWheniovr Jul 17 '25
My husband in 99 had a $100 deductible-$500 out of pocket max and paid $25 a week for family coverage-wish that was true now
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u/redhd1226 Jul 16 '25
I did. I sure did. The 2500/6000 plan was the top tier plan offered
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u/nothing2fearWheniovr Jul 17 '25
Your employer really cheapened things up. My husbands ex employer did this at the end of 2023, had bcbs switched to Cigna-horrible people to deal with-I had a TKR they pre approved then Denied the whole surgery after fact-took 8 months for hospital to appeal and get it settled talk about stressful. In network of course.
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u/nothing2fearWheniovr Jul 17 '25
What good will that do if he can’t afford $500 for treatment every 3 months
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u/MikeUsesNotion Jul 17 '25
I wasn't making suggestions. Being offered an HSA would make it clear they had a HDHP.
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u/redhd1226 Jul 17 '25
I’m a she. But thank you I appreciate the defense. 💜
And correct, contributing to an HSA at this point isn’t an option as it’s not offered in the plan 1, and 2, the timing of this makes it more so that I’m personally going to have to redirect some of my check towards a secondary account to help pay for them and it probably won’t happen every 3 months anymore since it seems unavoidable with this new plan and how they treat the injections.
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u/nothing2fearWheniovr Jul 17 '25
Maybe check with them see if they can code it as an office visit not surgical, that could change the cost.
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u/djlauriqua Jul 16 '25
My husband has 2 herniated discs and severe degeneration, and we have UHC. Best advice I can give is make sure to keep a lot of money in an HSA. Including company matching, we put $500 in our HSA every month*. Doing this has made our experience with United honestly not too bad.
*i somehow have a very expensive dental procedure every 18 months, this is part of why we squirrel so much away
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u/mattyofurniture Jul 16 '25
What is your deductible, and what is your OOP max for the year?
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u/redhd1226 Jul 16 '25
New deductible $2500 Plan name - UHC POS Non Gated INN/ONN Out of pocket max - $6000
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u/burnbright33 Jul 16 '25
Are you getting these injections at a local hospital or another facility that does payment plans? Many places will work with you on bills like this. I’m sorry you have to deal with this change.
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u/redhd1226 Jul 16 '25
It’s an in office orthopedist. I did call them. They said my balance had to be paid off before my next injections scheduled for September.
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u/nothing2fearWheniovr Jul 17 '25
is the doctor office within a hospital setting? I ask because my husband went to a doctor who was inside a hospital so everytime he had the procedure done they charged as surgery even though it wasn’t-whereas a doctors office would have been cheaper-different coding.
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u/Wren65 Jul 16 '25
Put a tip jar in your desk. Explain why when asked
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u/redhd1226 Jul 16 '25
And if I still worked at the office I would totally do this sassy passive aggressive thing haha. Unfortunately due to my condition I now work from home.
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u/otterrx Jul 17 '25
Same diagnosis, same treatment plan, last injection 6/12/25. When I started at my current job 3 years ago we had UHC, Lumbar injections were $500+ each but counted as part of my deductible. 2 years ago we switched to BCBS, lumbar injections are $65 & counted as a specialist copay that does not go towards my deductible.
Unfortunately, each insurance company decides how every single medical treatment is covered. Somewhere, in some fine print, the pricing was laid out but you almost never see that pricing until after your coverage starts & you start paying for insurance.
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u/SwimmingAway2041 Jul 16 '25
Sorry you’re going through this. The entire insurance industry is corrupt and greedy as they come but I think United takes the crown as the worst. I have read so many bad experiences people have had with United that’s too bad you’re employer chose to go with the most crooked one but unfortunately there’s probably not much you can do until the deductible has been met. Once again sorry you’re going through this and you’re employer chose to go with the Satan of insurance
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u/Repulsive_Parsley107 Jul 16 '25
If you can I would sign up for an HSA account where you can save money for health expenses tax free, it can be a big help with copays until you meet your out of pocket max
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u/West_Benefit_3410 Jul 17 '25
You could apply for medicaid as secondary coverage. Not sure if youll qualify but its worth a shot, will likely depend what state youre in. I had a very bad expensive Obamacare plan, ended up getting admitted out of state and out of network. I called Wa state medicaid apple health from the hospital and the situation was so bad that they gave me secondary coverage on the spot, even covered me retroactively from when I presented to the ER. It saved me from bankruptcy.
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u/Visible-Ranger-2811 Jul 17 '25
It does not help but I also pay $6000 deductible. It is painful AF.
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u/BioBabe691 Jul 17 '25
I am so sorry for what you are going thru and I'm filled with rage on your behalf. I wish I had an answer for you.
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u/laurazhobson Moderator Jul 16 '25
Unfortunately there is no third party that will provide you with money for the treatment.
I realize you don't want an explanation of why this is occurring but bottom line is that health care costs and consequently premiums have soared and so most employers have to try to figure out the best way to allocate the total amount they have for compensation for employees - i.e. benefits, salary, other perks including vacation; subsidies for spouses and children.
The employer could have raised the premiums - reduced their subsidy - tinkered with deductible and out of pocket maximum.
Also - and not that it is solace - by being charged only a co-payment for your shots was very unusual as most health plans consider this kind of procedure to be "covered" with a co-insurance subject to a deductible.
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u/ithurtswhenIP412 Jul 17 '25
Your POS plan doesn’t sound like it’s an HDHP so you wouldn’t be eligible for an HSA. This is unfortunate since a lot of employers usually give like $500 towards it either by default annually or if you complete some wellness activity.
Your employer however may offer a Health Care FSA which is a pre-tax benefit - so you may be able to use that to save some money and help pay for expenses. I do want to add though that if you do not use your FSA for the plan year, you will risk losing that money (there is a pre set rollover amount determined by the IRS for how much you can rollover). It’s really up to you if you think this is something you will utilize. Also if you quit, I believe the FSA also gets forfeited.
If your employer utilizes an external benefits platform for your enrollments, make sure to fill out the survey at the end of the enrollment to leave comments about the crappy benefits and how they are impacting you. Most employers usually do l review that data and sometimes will make decisions based on what their employees are saying. In the meantime, you can only hope that your employer only signed a 1 year contract with UHC and they will offer better plans next year :-/
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u/sillybirdy Jul 17 '25
It’s important to keep in mind that the PEO may have changed plans bc BCBS rates increased substantially or that due to usage and plan paid amounts the group was not offered a renewal.
I had coverage for my employees under a PEO and due to one employee having cancer, another having a major health event that resulted in long hospital stay, and half the team on ozempic our costs exceeded the average amount and we were not eligible to renew under the plan the next year.
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u/Pretty_Valuable_862 Jul 17 '25
Is there a way you can get co-assistance for your specific medication?
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u/Unlucky_Rate_5652 Jul 17 '25
This, OP, so many drugs have copay assistance. For many years when remicade was new, a family member had cost sharing of several thousand dollars per infusion every 8 weeks; the co-pay assistance program for remicade brought her cost to near zero.
Definitely look into this!
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u/redhd1226 Jul 17 '25
It’s not a medication it’s a treatment. Lumbar steroid injections in S1 space.
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u/No_Invite_7504 Jul 17 '25
Can your med which requires assistance to be administered only be administered at an out patient facility or can you receive it at a drs office? I’m not sure if your plan offers different coverage types based on where it is and who administers it but sometimes the coverage is different based on the facility type like office/ specialist visit vs if it were billed as an out patient facility. Example: if I get a vaccine at cvs from pharmacist, it’s billed under My pharmacy benefits and if I get it from my GP, it’s billed as an office visit under medical- but both have different coverage types.
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u/SarahNerd Jul 17 '25
Can you get some kind of manufacturer's coupon like what's done for meds like Humira and Taltz?
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u/redhd1226 Jul 17 '25
It’s not a medication it’s a treatment. Lumbar steroid injections in S1 space.
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u/nothing2fearWheniovr Jul 17 '25
Does it have to be given by a ortho doctor?
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u/redhd1226 Jul 17 '25
In my state - NC - yes. Only an Ortho or Pain Management doctor can administer.
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u/nothing2fearWheniovr Jul 17 '25
Steroid injections are not a long term treatment-are they? This tactic your company is doing to save themselves$$. Same thing happened to us in my husband’s job. The insurance was more expensive and covered less
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u/redhd1226 Jul 17 '25
I’m not sure what you’re asking here. Are they long term, no. My long term prognosis is what no one wants to hear including, neuropathy paralysis in my legs. Along with so many other scary sounding things. So for now we do what helps.
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u/nothing2fearWheniovr Jul 17 '25
Just saying-some insurance companies will only cover shots for so long-health wise they are not good for your body long term.
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Jul 17 '25
[deleted]
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u/nothing2fearWheniovr Jul 17 '25
If he can’t afford the shots how will he be able to put away money in a HSA?
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u/nothing2fearWheniovr Jul 17 '25
Ok so they considered this surgical-can you get the shots in a non surgical environment? Coding wound be different and cost less possibly
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u/redhd1226 Jul 17 '25
Most of this I think, might have been answered above. But The shots are given in a doctor’s office. That the environment. However the shots themselves is what United considers surgical.
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u/RegisterMinute685 Jul 17 '25
Not sure where you're getting your injections but there are smaller clinics that do that and are much cheaper than a big hospital. Just a thought.
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u/MoonbeamPixies Jul 19 '25
This is something I have experienced. I had to get some shots under anesthesia. I had initially gone to a covered outpatient doctor who does his procedures in a place that bills as a hospital, my coverage was 80% coinsurance after deductible. But if I go to an independent/free standing clinic, I pay a copay of $200 for any “surgical” procedure. I was not aware of this until I contacted my health insurance. My bill was $200 vs $1550 for the same thing. I ended up going with the $1550 one because the hospital offered me 75% financial assistance and I didnt want to start from zero, but just a thought.
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u/Blondie_wingman Jul 18 '25
I didn’t see this info in the comments, so forgive me if any of it is redundant. You ABSOLUTELY have recourse and are not stuck. 2 things - 1. ERISA (fed regulations) require you have policy information prior to implementing any coverage. I understand mistakes happen, but if you can’t verify coverage, the employer is liable. 2. Coding changes happen often, and BCBS applied non-surgical fees to 3 codes where other companies only allow one. Code 64483 covers the L4-L5S1 without surgical association. Your provider should be able to verify with the new insurance and resubmit the paperwork. I hope this helps!
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u/MiserableBenefit2035 Jul 18 '25
Can the doctors office charge you what the insurance would have paid? I have had doctors offices do that as a courtesy
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u/Leadmeteor43934 Jul 18 '25
Honestly, it may be a blessing. Have your doctor, or even get a second opinion of a new treatment plan if you cant afford the steroid shots. They are only supposed to be temporary relief.
Like I said a blessing, corticosteroids cause significant bone loss. Having degenerative disc disease AND osteoporosis with possible vertebrae fractures is no bueno.
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u/Power_of_the_Bolt Jul 18 '25
Same realization just happened to me, also pissed. But this will be my only set of injections until I figure out something else
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u/pharmucist Jul 19 '25
I used to get SI joint injections and trigger point injections and I went monthly (actually, way more than monthly) to an expensive pain clinic. My deductible was $1500 and my out of pocket max was $3000. I would hit my deductible after just 2 months and my OOP max after 3 months, so the whole rest of the year (the other 9 months), EVERYTHING was covered at 100%. I ended up saving a bunch of money in the longrun by hitting my OOP max so fast.
You can check with your pain clinic and see if they will take monthly payments. Or, you can put the injections on a credit card and pay that down on your own schedule. I ended up doing the credit card option. It gave me a whole 12 months to pay off the injections, then it would start over again the next year. It worked out well for me and it was SUPER nice when I had other expensive things come up like MRIs (I get one annually for a condition I have), ER visits, hospital stays, etc.
I know I will always have expensive stuff throughout the year, so this really benefits me. You also never know when something energent and expensive will come up. One year, I had 2 more months left in the benefit year and had already hit my OOP max months prior. I ended up going to the ER, then was admitted to the hospital for 5 days. That entire bill ended up being $55k!!! I was sent an EOB and my portion was zero. Instead of getting a big $2000 bill at once, I got zero bill.
Charge the injections to a credit card, get your deductible met, then pay off the card throughout the year and you'll be in a good position should any other health needs arise.
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u/HistoricalLead3498 Jul 19 '25
United is awhile. My family was switched to United last year and they've been awful.
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u/Moelarrycheeze Jul 19 '25
This will only stop when people refuse to work for employers that offer shitty benefits.
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u/Expensive-Host2250 Jul 19 '25
Op, I would call united healthcare and ask to see a summary of benefits pdf and also a copy of the complete terms of coverage. That way you can know even more about the terms.
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u/kyle_kat96 Jul 20 '25
Filed an appeal. A lot of people don't push back with insurance. If they denied it. Appeal again, with a note from your doctor stating the importance of the medications.
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u/Candid-Seaweed1474 Jul 20 '25
Ask for a breakdown of the procedure from your doctor like what is the cost for the medication? What is the cost for them to do the injection? Is it possible for you to get a prescription for the medication and bring it into the doctors office to get the shot? Well, adjusting any of that bring it down if not, maybe shop for a different Doctor Who might be willing to do that for you. Is it possible for your primary care doctor to do it? I’m assuming you go to an orthopedist.
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u/Background-Ring5169 Jul 22 '25
Could you find a new plan that would offer more coverage that matters to you on the marketplace? United Healthcare is crap, deny is there motto for claims. You may pay more upfront but it could even out. Might be better for your peace of mind. Have you confirmed the cost that is being charged at the doctor’s office? Are they actually covering any of the cost at all?
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u/fme222 Jul 23 '25 edited Jul 23 '25
Maybe look into any marketplace plans that you can purchase outside of your employer? You won't get the credits and discounts that you would get if your employer didn't offer insurance, but typically the plans are still available for you, my spouse and I both had workplace offered insurance but we found we saved a lottttttt of money from a marketplace plan that had much better coverage, we ended up getting a gold level Blue Cross Blue shield plan off the marketplace that covered everything except for IVF at 100% and even IVF we only paid about $3,000 for versus tens of thousands with any other insurance (even if we weren't pursuing IVF the fact that we saved on all of our therapists and medications and stuff was already a major savings even with a slightly higher premiums factored in).
Check with the manufacturer of your injection in case there's any manufacturer discounts or they have any special programs for self-pay or anything like that that might make it cheaper.
Also even though a hospital setting is typically more expensive than getting something done at doctor's office consider the possibility of changing providers and getting it done through a hospital setting or a provider who goes through the hospital as well , as hospitals offer financial assistance programs and then you could get enrolled into that... Once when we had some big medical expenses our income was higher than what the hospital had published for their financial aid guidelines but we decided to apply anyways and to our surprise they still granted us 40% off our medical bills that was retro activated plus went for the future things so if you get it done via a hospital/large medical company and you pursue financial assistance you might be able to get cheaper that way if your current provider doesnt offer a financial assistance program.
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u/DaneDaneBug Jul 16 '25
Try to get by and take your pain meds to a new pharmacy and tell them you don't have insurance. They will put you on a prescription savings plan. I had to do that when my company switched from blue cross to united health.
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u/Cute-Ad-9591 Jul 17 '25
It is what it is. No one on Reddit can change your deductible or insurance policy.
•
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