You Call This Coverage?!

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My husband works for a very well known package delivery service, and no, it isn't UPS. They take money out of his check each week for medical insurance coverage. There are different levels that you can pick from and that is how it's decided on how much they take out of your pay. We are supposed to have the top coverage from them. We aren't supposed to have any deductibles, but we do. I have to take several medications each day and the prescription coverage is very important to us. Even with this coverage, I spend over $400.00 a month on medicine. Every time I go to a doctor or have a procedure done, we get hit with a bunch of unexpected bills that we were told would be covered by our insurance. Take for example, I was mauled by a dog and had to call an ambulance and go to the emergency room. I then had to have emergency microscopic surgery on my hand to repair the damage done by the dog. Now, I don't know about anybody else, but when I'm in so much pain that I'm going into shock,
I'm not about to start asking if the doctor in the emergency room is part of my insurance network. I paid my co-pay of $150 to the hospital thinking that would be all I had to pay. It wasn't, I ended up getting a bill from the doctor in the emergency room for what my insurance wouldn't pay. The insurance company said that even though I paid my co-pay, I was still responsible for the doctor's bill because he charged a higher fee than they were willing to pay. Shouldn't I have been covered if I paid the co-pay like they said? They never say anything about having to find out if an emergency room doctor is in your network before you have any emergency care done. They also never tell you that you must check out the fees of any doctor or hospital before having anything done to make sure you don't have to pay in addition to your co-pay or deductibles. It just goes to show you that even though someone has coverage, they may not really be covered enough.

Tags:

medical-insurance, coverage, medical-coverage, co-pays

Posted By:

chunkymonkey

1 Year, 2 months, 1 Week, 6 days, 8 hours, 13 minutes ago

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