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Billing for surgery

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Vickie asks about how billing occurs. My bill also broke the procedure

(abdominal myo) up into 2 different ones; I think one was the removal of

fibroids and one was the repair of the uterus. I asked the doctor's office

about it and it appears that they try to break it down in a way that the

insurance companies are most likely to cover it.

So far my insurance is only covering about 2/3 of the cost, but that was what I

expected, because I chose to go to an out-of-plan doctor, whose rates ARE higher

than most. Most insurance companies reimburse based on what they determine is

usual & customary, especially if you go out-of-plan.

What WAS frustrating was that before the surgery, I spent hours on the phone

with various reps at my insurance company trying to figure out how much they

reimburse and they were trying very hard not to give me any useful information.

They ended up telling me (several people) that I would (probably) not have to

pay more than $1,500 but it looks like I will have to pay more than twice that.

The total amount that I was billed was the amount that had been discussed

beforehand.

Did you discuss how much your doctor would charge before the surgery? Did your

doctor charge more than discussed? And what country are you in? I'm talking

from the US, but perhaps different countries have different systems for their

insurance?

R.

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