Posts Tagged ‘ Cigna ’

4 Tips to Avoid Out of Network Health Insurance Overcharges…Before They Happen

May 7th, 2009. By LucyC

If you’re interested in how to avoid paying for insurance overages for out of network bills, these tips—from Consumer Reports Health blog (Ginger Skinner, 5/9/09) may help. Remember though, these are preventative measures—if you feel you’ve already been overcharged for out-of-network medical reimbursements, it may be time to seek out an evaluation with a lawyer.

 

• Get cost estimates from the hospital and the physicians, and try to find out if there are any incidental fees you can avoid.
• Research what portion your insurance will cover. Know that most plans will only cover a percentage of charges they consider “reasonable and customary” [or “usual and customary (UCR)]. This may be a lot less than what the hospital and doctors charge; you’ll be responsible for the difference. And find out if your insurance company will pay the entire “reasonable and customary” portion, or if you’ll be responsible for some of it due to deductibles or co-insurance.
• Ask doctors if they are willing to accept your insurance company’s payment for their services as payment in full, especially if they work in a hospital that’s covered by your plan.
• Don’t be afraid to negotiate with your insurer in advance. They may be willing to pay for a procedure at an out-of-network hospital, or performed by an out-of-network specialist, if there aren’t any in-network options. Your physician should help you justify the necessity.

Want to know more?

Read our previous blog on this

Tags: Aetna, Blue Cross Blue Shield, Cigna, Health Link, Unicare, United Health Care, Wellpoint/Anthem
Posted in Drugs/Medical | No Comments »

Making Sense of Out of Network Medical Overcharges: Get it, Got it, Good!

May 5th, 2009. By LucyC

 

Here’s a riddle: what’s something you never want to be without but you can never quite “get”?

 

Answer: Health Insurance.

 

Particularly if you live in New York and you’ve been trying to “get” your out of network Explanation of Benefits statements. The recent NY Attorney General’s Health Care Report determined the database used by many big-name insurers (think Aetna, Blue Cross Blue Shield, Cigna, Health Link, Unicare, United Health Care, Wellpoint/Anthem) to compute out-of-network fees has been understating “usual and customary” rates. Translation: you may have paid more than you should’ve when going out-of-network.

 

How so? Here an example. Read the rest of this entry »

Tags: Aetna, Blue Cross, Cigna, health insurance, out of network medical charges, United Health Care
Posted in Drugs/Medical | 4 Comments »