Keeping A Close Eye On Those Medical Bills

I recently had to have a kidney stone removed.  The hospital estimated the cost of the procedure, and offered me a 20% discount – if I paid my portion on the day of the procedure.  I paid the estimated amount and had the procedure.

Today, I received the actual explanation of benefits from my insurance company.  I am happy to report that my portion of the cost of the procedure is several hundred dollars less than the amount I paid to the hospital.  When estimating my portion, the hospital included my full deductible, unaware that, due to several doctors’ visits prior to the procedure, I had already met most of my deductible.

I called the hospital and spoke to the billing department.  A refund for the overpayment has been issued.  I should receive it in a week or so.

It’s always a good idea to check – and then recheck – your medical bills.  Many insurance companies now allow you to view your account information online.  This makes it very easy to view recent activity and to check account balances.