Was the outpatient facility in network or out of network?
I can’t really imagine a scenario in what you got a $75,000 outpatient bill unless you got a non-covered service that was also out of network.
You need to start by going over your explanation of benefits to understand what was covered and what was not covered , they always have reasoning codes, and you can call customer support and ask them questions.
It was in network. Let me explain further, The bill was for me. They did a Bronchoscopy of my lungs. I’m NOT a smoker. But there was damage to my lungs. Turned out to be past damage possibly from Sarcoidosis , which I had no idea I had.
The reason I mention my husbands cancer is because it’s been 16 years of medical bills we’ve been paying off. We’ve been frugal and have kept ourselves above the bills, but my doctors found this thru a test for something else. When I got the bill, it was over $70,000 brought down to $58,000. After the insurance network put it down to $7000( my deductible) I only had $1300 left in HSA. I couldn’t believe a 4 hr outpatient stay was that amount. What do people do without insurance? Hospital will only let you pay interest free for one year.
Money has been tight due to husbands medical bills, and we live in a small older home that seems to be a money pit. Weve had bad luck with it. I don’t want pity or $ I know we will somehow get thru this but it angers me that there are tons out there losing everything just to save their lives. And I understand why some people refuse to go to the dr because of the cost. Medical and insurance cost are unreal.
And Good bill didn’t help whatsoever.
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u/Old_Draft_5288 12d ago
Something important is missing here.
Was the outpatient facility in network or out of network?
I can’t really imagine a scenario in what you got a $75,000 outpatient bill unless you got a non-covered service that was also out of network.
You need to start by going over your explanation of benefits to understand what was covered and what was not covered , they always have reasoning codes, and you can call customer support and ask them questions.