I called up a prospectively-new PCP and asked if my Blue-Cross Blue-Shield was accepted.
They said yes, and that Office Visits are $30 Co-Pay... Sounds right so far.
I have had 4 very routine doctor visits in the past year. In addition, I had other Non-Routine visits and actions like removing a mole or whatnot. Nothing big. I paid extra for that sort of thing.
A year later, and the xxxxxxx(edit: not hospital) Physician Group sends me a bill for $1,000... I call BCBS and they say that Co-Pay means I pay $30 at the time of the visit, but still have to pay the full Doctor Visit Amount later on. I was under the impression that Co-Pay means that's all you have to pay for regular doctor visits. My card says "Office-Visit Copay: $30"
So is Co-Pay really just "Up-Front Pay", and everybody typically has to pay the full doctor visit cost in the end? If so, what's the point of Insurance covering office visits? The Office could have set me up a better payment plan at the desk when I checked in.
If not... how do I deal with BCBS to get them to fix this bullsh#t
They said yes, and that Office Visits are $30 Co-Pay... Sounds right so far.
I have had 4 very routine doctor visits in the past year. In addition, I had other Non-Routine visits and actions like removing a mole or whatnot. Nothing big. I paid extra for that sort of thing.
A year later, and the xxxxxxx(edit: not hospital) Physician Group sends me a bill for $1,000... I call BCBS and they say that Co-Pay means I pay $30 at the time of the visit, but still have to pay the full Doctor Visit Amount later on. I was under the impression that Co-Pay means that's all you have to pay for regular doctor visits. My card says "Office-Visit Copay: $30"
So is Co-Pay really just "Up-Front Pay", and everybody typically has to pay the full doctor visit cost in the end? If so, what's the point of Insurance covering office visits? The Office could have set me up a better payment plan at the desk when I checked in.
If not... how do I deal with BCBS to get them to fix this bullsh#t
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