Patient demands straight answers

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Early January of this year, I was quite ill when my doctor ordered blood work to be done in the lab. The nurse in his office began to call the hospital where I was to schedule the lab work.

I told her at that time I didn't think they honored my insurance. She said she knew I felt very badly, and she would call to make certain. I gave her the information that my insurance had changed names, and anything else I thought she needed. She was assured by the lab worker that they did indeed accept my insurance.

When my daughter and I walked over to the lab in the hospital, I handed over the insurance card and again asked if they were certain they took the insurance in question. Emphatically, without hesitation, she assured me that the insurance was honored.

At the end of January or beginning of February, I received two bills in two days for almost $600. They were not typical bills. It stated that, in case my insurance would not pay the claim, I might want to call the provider to encourage them to pay.

I feel the hospital acted unethically to receive the money. I would have not hesitated to go to a lab that would honor my insurance for real. What does one have to do to try to be responsible without hanging themselves in the process? Does everyone who is ill walk around with the list of providers tattooed on their brains? Can no one in the health field be trusted to simply answer a question, even if he must first look up the information to be correct? What do I do now?

Constance Smith, North Augusta, S.C.

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Carleton Duvall
6308
Points
Carleton Duvall 04/27/07 - 08:14 am
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insurance companies provide a

insurance companies provide a list of doctors and hospitals that accept their coverage. it is the responsibility of the patient to verify this before going to a provider. you don't have to keep it in your head, just check the list before going. don't expect someone else to do this for you. quit complaining. it was your oversight, constance

getalife
4
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getalife 04/27/07 - 08:46 am
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Maybe she was at the doctor's

Maybe she was at the doctor's office, didn't have the list and maybe the doctor or nurse picked the lab, which she would not have known, so she could not check the insurance list prior to her visit. Sometimes you don't know in advance what all a doctor may do on your visit.

Carleton Duvall
6308
Points
Carleton Duvall 04/27/07 - 09:23 am
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Getalife, quit dreaming up

Getalife, quit dreaming up excuses. That is the problem with so many people. They don't want to take responsibilty for themselves. You seem to be one of that group.

lathy
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lathy 04/27/07 - 10:38 am
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it sill does not work. i took

it sill does not work. i took my book with me to the doctors. there listed in the book was the radiology lab that they sent me to. my insurance did not pay the bill, stated that the doctor was out of network. i pointed out the page in the book to them, but six months later i just went ahead and paid for my mammagram.

Carleton Duvall
6308
Points
Carleton Duvall 04/27/07 - 11:29 am
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Lathy, You did the proper

Lathy, You did the proper thing. You should report this to the insurance commissioner. It is up to him to enforce insurance regulations.

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