Grand Rapids Nesties
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Ugh. Dumb insurance question.
First off I HATE medical bills. I swear they make them so confusing on purpose.
Ok, my question. When does a charge get applied to your deductable? The year the service happened or the year you get billed?
For example, I just received a medical bill from over one year ago. When I pay it, will it go towards last years deductible? Or this years (which I have already met.)?
I am having so many issues with my medical bills this year. I want to strangle someone in the billing depart of Advantage Health.
Re: Ugh. Dumb insurance question.
Ugh. This is pouring salt on my wound. I am TRYING to be in a position to answer these types of questions but my plans keep falling through. Yes, I'm being vague and have to keep it that way.
- Signed someone else who is really frustrated regarding healthcare in one way or another.
I am no help in that I don't understand medical billing at all, and it's incredibly frustrating. Even after calling and asking questions, and sitting down with my HR rep, I still leave confused.
I just wanted to add that I am (obviously) frustrated with healthcare in one way or another also.
Um. . .sorry?
Ok after a few hours and a handful of phone calls I think it gets applied to your deductible when the office bills the Ins, not when they bill you. Basically everyone just said: pay it and if you've already hit your deductible you'll get a reimbursement. Um. . . yeah I don't like that idea.
Gee, that is helpful. Not!
I know that Ameli'as 2nd year appt was in Oct and I didn't get the bill until at least Jan, if not later. It applied to this year's deductible.
For the different insurance plans that I've had, it always goes by calendar year. No doubt, there are insurance companies that do things different. In my experience, though, if you had a service in March 2010, it is going to interact with the coverage, deductibles & copays that you had that year.
I really hate it when places finally decide to bill you months or years after a service. That just shouldn't be allowed. We got a bill like that from a psychiatrist & I complained about the lag time as well as the undisclosed (ridiculous) cost of the service (which we wouldn't have agreed to if he'd told us like he should have) and he cut some of the cost off for us.