Monthly Archives: February 2015

Do You Have Surgery Scheduled? Take This Tip

Here is a tip that will help you to work with your insurance company better.   Here is what happened to me.  I have an HSA type account with a maximum out of pocket of $2,700.00

Recently, I needed surgery done.  When the surgeon asked if I would pay an approximate cost before the surgery, I did it.

I paid him $2,700 up front.   He didn’t want to wait for Blue Cross to pay him.  I didn’t think that this would be a problem.It certainly was a problem!   Blue Cross and Blue Shield of North Carolina does not have any notification that I have paid the doctor directly.  Therefore, the calculation of deductible was thrown out of balance.  I ended up having to do a spreadsheet of each lab, anesthesiologist, hospital, assistant surgeon, and any one that was involved with this surgery.

Because Blue Cross couldn’t have known that I had already paid my deductible, the auxiliary providers, including the hospital were not paid properly.   This was an accounting nightmare.

The bottom line:  If the doctor asks you to pay up front so that he doesn’t have to worry about getting paid in a timely manner, don’t do it!   Just say no.