Copay 3x more because I have Covered CA?
My primary doctor referred me to an obgyn for a pap smear. They found something abnormal and told me that I needed a colposcopy biopsy. On the day of my appointment for the procedure. They told me that I had to pay $300. I asked her if that copay was for the procedure, and she said that since I have Covered by California my copay was 3 times the copay, so instead of $100 I needed to pay $300.
I’ve never heard of that before. I decided to call my insurance and ask about it and the rep was shocked that I had to pay 3 times the copay and never heard of it. She told me to call my obgyn office to have them clarify.
The next day I called the obgyn office and asked about it. The girl that picked up said the same thing the receptionist said that day I went in for the biopsy. She said any Covered by California insurance must pay 3 times the copay amount for procedures and visits.
Additionally, she said that if I had insurance under the groups Allied, Regal, Exceptional then I won’t be charged 3 times the copay. She gave me examples of insurances that I would need like Allied Blue Cross or Allied blue shield or even Allied covered by California. But if I just have covered by California LA then I would pay 3x copay. Later I realized she might be suggesting that I was out of network so they were charging me ucr fees. I checked my insurance card and I had allied and I checked online and saw that the obgyn was in my network.
Does anyone have any insight if this is correct? I plan to ask them in person to clarify why my copay is 3x more specifically under the insurance I have, but I just want to know if anyone has any experiences or similar stories about their copay being 3x more just because they have a specific insurance?
submitted by /u/Lope_Fretz
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