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.