Reply to So upset about this stupid cost

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Did you know he was going to ER? The Urgent Care doctor "recommended" right. It was your/your kid's call to go. [/quote]

I knew he was going where the guy recommended. My da actually asked about cost he said and the guy said it would be a copay. I’m not there so I was not going to tell him not to get medical attention after doctor said go to ER and he might go deaf! If he were home we’d have done things differently. In any case I still don’t get why this is not a copay because we do have an ER copay and I’ve never had a copay not kick in before deductible.[/quote]

I’d follow up with your insurance before paying 2k.[/quote]

Insurance are the ones saying it will be full pay bc we have not met deductible, which does not make a lot of sense due to copay.[/quote]

It probably wasn't in network? [/quote]

It was! [/quote]

Ah, that's so weird. Is this BCBS? Mine has copay plus coinsurance for whatever materials/drugs were used, but still 2k is a lot! Have you called the insurance company and have them walk you through this? They should be able to have you download the brochure and point you to exactly where it explains why you have to pay the deductible before the copay. For your peace of mind if nothing else lol.[/quote]

It is BCBS! I have the brochure and it states right there that it is a copay and then 30% coinsurance but they kept telling me the entire bill would be my responsibility. It made no sense. [/quote]

You probably don’t usually have to pay your deductible, this year you did so you feel it.

I think when you see an in network doctor you just pay copay, independent of deductible state — though that sounds wrong. [/quote]

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