What should I do about this pediatrician's charges for a 2-month well baby checkup
There was a lapse in insurance coverage. We forgot to add baby to the insurance policy, so he was not covered at the 2-month well baby check up, & our pediatrician's office did not check eligibility, so we inadvertently became cash patient. We paid $40 copay at the time of visit. The remainder they billed my insurance $250 or so, but was denied. But when they billed us, it was for $905. The well checkup included four immunization shots. We have been asking them to lower it, but they refuse. We are more than 120 days overdue on that bill, still trying to figure out what to do. Help!
This is a tough one. Did you know at the time that the baby was not covered and what state are you in? Will the insurance cover the baby retroactive to the date of birth?
I have done some research and while $905.00 seems excessive to me, the average without insurance seems to be between five and six hundred dollars. I have found that it is always better to speak directly to the doctor rather than the staff, because the physician has a harder time saying pay up...
You may have no alternative but to pay, BUT, if you were not told at the time of service what the costs would be WITHOUT insurance, they have little justification to charge you more than the copay and the $250.00 that they billed the insurance. To my way of thinking, that $250.00 is the bill. Print out the insurance billing and tell them that is the bill and then ask how they justify tacking on extra after the fact.
I would report the doctor to your state consumer affairs department for misleading billing practices and would also consider finding a different doctor for your baby if you get nowhere.
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