October 2012 Moms
Olivebeinmamma
member
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Circumcision... Deposit?!
Olivebeinmamma
member
We're having a boy and plan to circumcise him. OB office at last appt asked if I had paid my deposit yet... Umm I have insurance?! Apparently they charge 300 for it and then if insurance covers it they will send you a check or apply it to your outstanding balance whatever you overpaid.
Anyone else have to do this too? I think I'm going to call insurance co and ask if after baby is born if they pay for it and go from there. But I know OB office is going to grill me tomorrow again. Weekly appts suck! Lol
Anyone else have to do this too? I think I'm going to call insurance co and ask if after baby is born if they pay for it and go from there. But I know OB office is going to grill me tomorrow again. Weekly appts suck! Lol
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Re: Circumcision... Deposit?!
Typically that happens if it's out of network and as far as i'm aware insurance companies still cover circumsisions - unless there's been a change?...but seems like the OB accepts your insurance, so there's no reason for a deposit....someone correct me if i'm wrong lol
Our hospital requires you pay in full before the circumcision is performed -- guess they've been burned too many times.
Does your pediatrician offer this service? I know there are more and more in our area that offer it, but have strict guidelines (such as insurance accepted, how old the baby is when its performed, etc). I bet the hospital would have this information -- mine does!
All insurance plans are different, especially nowadays, as they are trying to tweak plans and coverage to keep costs down, so it's impossible to make a general statement about something being covered or not. Yes, that does often happen with out of network coverage, but it can happen for other reasons as well.
Yeah, my work touches on insurance reimbursement (I work with hospitals in four states). I have one physician group that charges patients up front for EVERYTHING and then reimburses the difference. I believe the reason is that they're located in an area with a relatively smaller insured population and they don't want to be stuck footing the bill if something ends up falling to patient responsibility.
On a side note, we have insurance that would typically be considered excellent, but with my husband's last contract they made a few tweaks. We just got a bill from the pedi for $97 for DD #1's last appointment, which was in September. We are going to just pay it but our insurance is one of the PPO types that works on co-pays and we've historically had to pay $5 for office visits. I think this $97 is because he's in a new contract year and the deductibles reset but I'm really not 100% certain. It's just confusing.
This! In my case, with my daughter last time around I was pretty upset to know that with my insurance circumcision WAS covered, but a breast pump that would have helped with her feeding issues was not. Now at least breast pumps are covered at 90% though:)