Will I owe entire patient responsibility shown on EOB?
Hi everyone,
I went to an ER facility a few months back for abdominal pain which turned out to be appendicitis (turned out after CT scans that it had already burst) of which I was then transferred to a separate hospital to have surgery performed and ended up being in the hospital for about 4 days.
The hospital I was transferred to was in-network but the initial ER was out of network. I have already received a bill from the hospital for which the surgery was completed and I owe ~$4.5k which is my out of pocket in network maximum.
Now, the costs from the doctor at the OON ER are now starting to come through, and from the EOB for the doctor it's classified as a surprise bill which I believe means it's covered under NSA. It looks like my health insurance is covering the negotiated in-network rate up to 100% (would this be because my in network costs have already exceeded my out of pocket maximum?), but the X-Ray cost is not being covered (I have reached out to the insurer asking why). My question is would the provider bill me for this entire amount of $7k or should I expect it to be a lower cost (due to NSA would it be lower closer to an in-network rate?).
Additionally it is still being processed, but the ER itself is billing my health insurance $90k, but I am hoping that most of those costs will be covered similar to this EOB. Is that assumption correct?
Thanks in advance to anyone who can help provide their insight!
submitted by /u/petewinz
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