I was told by my doctors that my procedure would be covered, and none of it was.
I just turned 26, so I was kicked off my parents' health insurance this April. My job doesn't pay very well and has zero benefits. I made a bunch of doctor's appts in the preceding months just to make sure I was healthy and get any necessary work done before losing coverage.
I explained all of this to my gynecologist, and she urged me to get an IUD just to be safe. Then I wouldn't have to pay out of pocket for oral birth control or worry about pregnancy. I was very hesitant, but after thinking it over, I agreed to it. The week of the procedure, she messaged me saying another doctor would be inserting the IUD. I didn't think twice about this. The procedure goes well, and they have me schedule a follow up at the front desk afterwards. They wanted to schedule the follow up in April, so I explain that I only have coverage until the end of March. They ask a couple other staff, and come back saying it'll be covered because it's considered a part of the original procedure. I said I don't want to do the follow up if I have to pay out of pocket, and they insisted I won't have to. I agreed to schedule the appt for April.
Flash forward a month after the follow up. I get a bill for $1200. I call the hospital, and I say that can't be right. They say "oops we double charged you for something, it's actually only $700 you owe." I explain the situation with the front desk and insurance, and they basically shrug and say that whoever told me this was wrong. Then they say they'll check out the situation and get back to me. I also messaged the doctor who performed the procedure, because she was one of the people who said the follow up would be covered. I never heard back from anyone.
Today, I received another bill – this time for $2,000, implying that the doctor who performed the procedure was not even in network. The language was very foggy, so that might not be correct. But I'm fairly certain that's what it says.
Do I have any say in any of this? I made it clear to so many people along the way that I did not want to procede without insurance coverage. I didn't want the IUD at all if it meant paying out of pocket. I just messaged my original gyno asking her what's going on.
Any advice on how to procede?
submitted by /u/patheticgrill43
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