Out of network provider paying for my costs

Hey all,

First time posting on this sub so if anyone has been through a similar situation please let me know.

I booked an appointment on ZocDoc for a vein specialist. They were listed as in network. The first two visits were free consultations. They billed my insurance as out of network and it would have cost me about $600 out of pocket , but as mentioned the provider has insisted it free and this was back in late June and i haven’t received a single bill so i assume I’m good.

Fast forward and the providers insurance team got in contact with my insurance and discussed what procedures i needed next. Long story short, it turns out that as mentioned ZocDoc screwed up and they are really out of network. The provider told me they realized this is a big error and they are working with zocdoc to correct this. They were willing to offer me $2,000 for the procedures. This was all in office and i assumed it was one visit and done. I said no i prefer in network. They then offered $1000 and i said no. Finally they called back and offered me to only pay my copays. I agreed and said let me have this all in official writing.

They emailed me me written documentation including a FHF (Financial Hardship), an SPD form and something else.

It is written in clear on the FHF what my detuctible is, co insurance, max out of pocket cost and my shared responsibility.

My shared responsibility in clear writing is my Copay with the amount

So now I’ve gotten 4 procedures done. I see a claim on my insurance app right now for over $40,000.

I’ve talked to the providers insurance team who is truly very professional and have insisted i am only paying my copay for these procedures.

I guess my question and big concern is , has anyone else ever gone through with something like this for out of network coverage ? And should i have any concern at all? (Also I’m not finished just yet and have two more procedures at least)

I’m just a tad worried that something with that $40k+ may end up coming through my mailbox that Isn’t just an EOB.

submitted by /u/nyyanksrdbest
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