I check every few days on my insurance's web site to see WHAT we owe for the surgeons part of the bill and the hospital. I could never get a straight answer BEFORE surgery from our insurance (BCBS FEDERAL) because they would tell me "We don't know what the surgeon will submit and I won't know the allowable charges." So I phoned yesterday and finally got an answer: The surgeon submitted his bill for $15,285.00. The allowable charges were $2518. (or close to that). Our responsibility is $377. Which we already paid a week before surgery. His office required us to pay $465. plus an additional, non refundable $500. for a "program" I had no idea I had to pay before this date (one week before surgery.) SO it appears they will owe us a small refund.
Now, for the hospital's charges. Not processed yet. The hospital submitted $131, 436. dollars to our insurance. But the hospital screwed up and submitted it to Medicare, even though I only have Part A (hospitalization only). So our insurance didn't pay atteniton closely and processed it as if I have medicare, and not only that... it was submitted as inpatient, which it was not. Outpatient with observation. So I foresee a pain in the ass sorting it out. BCBS FEP did tell me that once I receive the Medicare Summary in the mail, fax it to them and it will be input, and straightened out. Our insurance has been SO good with me all throughout this whole process. What a mess!
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