I’ve just gotten off the phone, after thirty minutes, wih our health insurance company. It seems that they, for some strange reason, have been filing all of our most recent claims as “out-of-network” instead of “in-network”. So, instead of charging us 10% for each visit to the doctor, they have been charging us 40%!
Spending thirty minutes on the phone with an insurance company is never pleasant, but, I did manage to find a very competent representative and she quickly explained that the mistake was on “their end” and not “mine”. Taking the time to review several Explanation Of Benefits from my insurance company and several bills from our doctors proved to be beneficial – to the tune of saving $208.34.
Remember, if you receive a bill for a service, and you don’t understand it, make a phone call. Do not give up until you find someone who can and will thouroughly explain each and every charge. Before I hung up the phone, we went through every single claim from 2008, just to make sure that this had not happened earlier in the year. Thankfully, there were only problems associated with bills submitted in the past two months.
I have already put it on my calendar to call back in a month, just to check in with them. Hopefully, all issues will have been corrected.