Unless you have some really obscure plan, the person who handles the billing ought to be able to tell you that right away, or with a quick search on his or her computer! Sheesh!
Just today, I was on the phone with an insurance company. In May, as you know, I ended up having my gall bladder removed. Good riddance. But part of that was, my primary care's office suggested I go to a nearby Urgent Care place, as they didn't have anyone who could see me that afternoon. So I dutifully looked up where it was, went there, and briefly saw a doctor, who told me they didn't have any ultrasound available there, so it was most likely my gall bladder, but I would go to the Emergency Room at the hospital. They had taken all my information, and said they'd call, and let them know to expect me. Before I left, I said, "Now, before I leave, don't I owe you a co-pay?" I was in pain, yes, but still had the presence of mind to inquire. "Na," I was told, as we couldn't really do anything for you, so go on ahead, you don't owe anything." I asked if they were sure, they said yes, and onward I went.
This week, more than a month later, I got a bill for $15. That's my copay, I KNOW that amount. I had no problem paying it, just would have preferred to get it over with while I was there the first time! Instead, they had to wait, generate paperwork, bill my insurance company for the whole amount, figure out there was $15 the insurance didn't pay, and send me a bill for that. And have someone available to answer the phone when I called to ask, "What the heck?" Talk about a waste of everyone's time and money!
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