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From my experience, no human at the hospital has any idea whether they will accept your insurance or not. The doctors certainly don't. They just report things i
by lacker 8y ago
From my experience, no human at the hospital has any idea whether they will accept your insurance or not. The doctors certainly don't. They just report things into the bill-processing system which occasionally delivers patients a crazy $100,000 bill.
- dboreham 8y agoThey have no idea if the insurance company will pay. I know this from personal experience where the hospital explicitly called insurance co to ask if a procedure would be covered, received confirmation that it would be, AND the hospital recorded the call. But coverage was subsequently denied.
- benbreen 8y agoYep, this happened to my wife - she needed a fairly intensive and costly surgery and was told she was in-network and covered. It turned out the person on the phone was wrong and she ended up having to cash out her entire 401k to pay the 20k+ bill. We learned a lesson about the US healthcare system with that one...