High Deductible Plan Hsa
July 13th, 2010Question: medical bill from high deductible plan in collections?
I have a $6000+ medical bill with a high deductible plan. The amount that I needed to pay to the dr was approx $2000 in order to meet the deductible. I confirmed with the insurance co that they sent a writ advising that they should only be charging the $2000. The dr office did not seem to understand the concept of the high deductible plan at all. I was advised that their billing of the insurance company was simply a courtesy and that 6000 was due. I pretty much just got tired of arguing with them and asked to put it on a payment plan just to be sure that it did not get sent to collections. They advised me that a payment plan had been set up. I then received another $6000 bill from them. I went ahead and sent a $200 payment from my HSA and notated on the bill that I had set up a payment plan. They proceeded to charge the $200 and then sent the $6000 bill to collections. I have no intention of paying any more than the 2000 I genuinely owe. Do I have any recourse here?
Answer: The doctor’s office will be charging YOU in full, if they don’t get paid by your insurance.
You need to stop arguing with the doctor, and go ask your INSURANCE company why they didn’t pay the $4,000.
You have NO recourse with the doctor’s office – legally, YOU are on the hook for all medical procedures that you had. The collection agency will take this to court and win, and garnish your wages and seize your assets, to get paid.
Your beef is with the insurance company. WHY didn’t they pay? Whose fault is it?
The doctor has NO obligation to even bill the insurance company for ANYTHING. Ultimately, it’s up to YOU to make sure everyone does what they’re supposed to do, in a timely manner.
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