r/personalfinance • u/trebory6 • Sep 02 '22
Psychiatrist did not verify my insurance before our appointment. They say they don't take my insurance, my insurance says they do. Now the psychiatrist is asking me to pay out of pocket Insurance
So Psychiatrist did not verify my insurance before our appointment. They say they don't take my insurance, my insurance says they do. Now the psychiatrist is asking me to pay out of pocket while my insurance is saying they can't do anything because they can't force the provider to use insurance. What can I do?
Edit: I just got off the phone on a 3 way call between my insurance and provider assistant, and my insurance basically no bullshitted the assistant by asking for the tax number and another number and then confirmed 100% that they are in network and provided all the information, and that she'd have to put in a report if they still say they can't accept my insurance.
Assistant ended up saying they called my provider and they'll use some "old system" to bill me, and the 3rd party verifier they use was adamant they weren't in network for me.
They ended up complying and allowing me to pay my $50 copay. So either it was an obstinate assistant or just typical insurance bullshit. lol
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u/RexSecundus Sep 03 '22 edited Sep 03 '22
So my chiropractor does this. I am on a high deductible plan. Whenever we go, the Chiro charges a flat fee of $35 with or without insurance. But then he bills the insurance and Insurance seems to pay something to this guy. I haven't met my deductible. So I am not sure why the Insurance pay him anything at all. I called the chiro first time when I saw this and he said, I am all set and they won't bill be anything more than what I paid ($35) at the time of service. I didn't bother since there was no additional bill coming our way. Please have a look at the image. Is there anything I should do?
EOB Screenshot
Edit to add: I am just curious to know of potential risk that I may face or any savings that I may lose. If Chiro gets paid a little more without any risk to me, I don't really care. I love my Chiro and I hate my Insurance. So there is that.