Insurance Bullshit

sleepy33 · November 2013

So I finally got my EOB from my hospital stay. I owe about $2900 for charges for myself, but THEN the hospital broke out a separate bill for charges assigned to my SON, not me, and of course HE hasn't met his deductible or out of pocket max for the year, so I owe another $2300 in fees for HIM! Is anyone else's insurance giving them the shaft this way? I was calculating what I'd owe based on the fact that I've already met my deductible and what would be left before I'd hit my OOP max. I am totally blindsided that I now owe almost twice as much as I thought I would. Sneaky insurance bastards.

Favority · November 2013

It sucks, but that is how it works. Once he is born he is technically a separate patient. I didn't realize this is how it worked until after my first was born so we also had an additional 3k in bills we weren't planning on.

sleepy33 · November 2013

Favority said:

It sucks, but that is how it works. Once he is born he is technically a separate patient. I didn't realize this is how it worked until after my first was born so we also had an additional 3k in bills we weren't planning on.

Yeah, it just never even occurred to me. I don't feel as bad if I know everybody else has to deal with the same thing at least.

Gatorsgirl731 · November 2013

Favority said:
It sucks, but that is how it works. Once he is born he is technically a separate patient. I didn't realize this is how it worked until after my first was born so we also had an additional 3k in bills we weren't planning on.

Yep patient deductible then family deductible. Sucks bad.

sooner1981 · November 2013

Yes, we got the two bills and a brand new deductible as well. And of course they billed separately for his room, even though he roomed in the entire time! But I checked all that out and apparently all that is accepted insurance practices...

sleepy33 · November 2013

Brandontricia said:

So I finally got my EOB from my hospital stay. I owe about $2900 for charges for myself, but THEN the hospital broke out a separate bill for charges assigned to my SON, not me, and of course HE hasn't met his deductible or out of pocket max for the year, so I owe another $2300 in fees for HIM! Is anyone else's insurance giving them the shaft this way? I was calculating what I'd owe based on the fact that I've already met my deductible and what would be left before I'd hit my OOP max. I am totally blindsided that I now owe almost twice as much as I thought I would. Sneaky insurance bastards.
I knew this was coming but didn't know how much it would be!!! Did your LO do any NICU time or anything like that..... Now I am stressing!

No, but I did have a c-section so I was in the hospital for an extra day.

sleepy33 · November 2013

sooner1981 said:

Yes, we got the two bills and a brand new deductible as well. And of course they billed separately for his room, even though he roomed in the entire time! But I checked all that out and apparently all that is accepted insurance practices...

Yeah, the majority of the fees are room and board! WTF. I hate all insurance companies. Though clearly my hospital was willing to collude by breaking out the bill this way.

kimbo1216 · November 2013

Yep. You and baby are separate and have to meet separate deductibles. My bill was about $1900. Hers was $1100. I've already paid $2400 to my OB. And have a few more hundred in other bills (like the hospital pediatrician and stuff like that).

It surprised me with my first, but I guess it makes sense. Two people, two bills.

kimbo1216 · November 2013

sooner1981 said:
Yes, we got the two bills and a brand new deductible as well. And of course they billed separately for his room, even though he roomed in the entire time! But I checked all that out and apparently all that is accepted insurance practices...

Yes! I was like: how do we both have room charges?!?! He was only in the nursery for testing yet incurred $600 in room charges.

SnoopyLuv · November 2013

This happened with DD1. Her birth raised our overall OOP max so we had to pay her full deductible, plus what I owed. It really sucked.

Brookephi · November 2013

WHAT!!!?? I had no idea about this! Now I'm terrified to see the bills. Here's my question: they say you have 30 days to get the baby on his/her own insurance plan. Baby will go on my husbands insurance plan- so will the charges will be consistent with his new insurance ( which I'm hoping because it will be an HMO and will be close to nothing) or my insurance (which I'm screwed if he's charged as a desperate person because I have a PPO and if he has to meet his own out of pocket max that's another 2,500????

sleepy33 · November 2013

Brookephi said:

WHAT!!!?? I had no idea about this! Now I'm terrified to see the bills. Here's my question: they say you have 30 days to get the baby on his/her own insurance plan. Baby will go on my husbands insurance plan- so will the charges will be consistent with his new insurance ( which I'm hoping because it will be an HMO and will be close to nothing) or my insurance (which I'm screwed if he's charged as a desperate person because I have a PPO and if he has to meet his own out of pocket max that's another 2,500????

I would imagine it's whichever plan you choose to enroll him in, as long as it allows for dependent coverage. You may have to have them resubmit the charges if they default to submitting them through your insurance plan.

elllaf · November 2013

Now I know why so many people are still paying their birth bills when the child is like 4. Sheesh.
Still haven't seen my bill... and now I don't want too.

emmylou78 · November 2013

Holy crap. I didn't know this! I guess it makes sense bc he got medical care after birth. That really sucks though. I'm already taking unpaid leave time. So, I was just on a single plan instead of family. Would that be completely OOP since she technically didn't have insurance?

BlessUrHeart29 · November 2013

@Heather6789 are you planning to upgrade your plan to a family plan to include her? I think you have 30 days to do that. I am on an individual plan, but DS is covered under a state program, so I didn't put him on my plan. But I would have had 30 days and he would have been covered under that. So as long as you get her on a plan, she should be covered and it won't be all OOP.

**This is my understanding of how the process works. I am not an expert and have no professional insurance experience**

emmylou78 · November 2013

@JarynA. Thanks. Yea, I added her within the thirty days and this just happens to be the month to sign up for 2014 insurance so she had been added for a family plan. I got worried there! Thanks. Seriously hate insurance crap. It's so confusing.

sleepy33 · November 2013

Heather6789 said:

@JarynA. Thanks. Yea, I added her within the thirty days and this just happens to be the month to sign up for 2014 insurance so she had been added for a family plan. I got worried there! Thanks. Seriously hate insurance crap. It's so confusing.

Yeah @Heather6789 just make sure they go back and resubmit the claims for your daughter after she's added. I want to burn down all the insurance companies. The end.

megs1409 · November 2013

Same for us that LO is billed as a separate patient. Blah!

norbert5 · November 2013

E was billed separately. I did fight Kasier on a couple things when I got the itemized bill. 2500 for the nursery she never went to was BS and a few other things that seemed ridiculous. They knocked some of the cost off but not a ton.

BlessUrHeart29 · November 2013

sleepy33 said:

Heather6789 said:

@JarynA. Thanks. Yea, I added her within the thirty days and this just happens to be the month to sign up for 2014 insurance so she had been added for a family plan. I got worried there! Thanks. Seriously hate insurance crap. It's so confusing.

Yeah @Heather6789 just make sure they go back and resubmit the claims for your daughter after she's added. I want to burn down all the insurance companies. The end.

I don't know what I hate more... Insurance companies or student loan companies... Haha!

Inn2 · November 2013

Same boat as you guys

. Thus the 5-6000 we will owe before this is all done. And that's not counting my gall bladder stuff

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