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.