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.

July 30th, 2009
NCN
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