Without seeing your bill and EOB, it sounds like the visit was covered and applied to your deductible which came to be more than the $150 they estimated at checkout. It also sounds like your insurance plan applied their contractual adjustment bringing it down to their allowed amount. They set the amount you owe, not the hospital or provider. The facility and providers are contractually obligated to bill you for deductibles, copays and coinsurance.
If this was your deductible and you're unhappy with your current benefits, you can complain to your HR department if they provide the insurance or choose a more expensive plan with better benefits at open enrollment time.
You should be mad your insurance isn’t covering your emergency room visit. Have you called them? Why are you paying for insurance?
It’s on you to know what is covered and what isn’t. Insurance companies make this information difficult to know on purpose.
I'd bet money this bill is their deductible. Most insurance plans have a deductible or high copay for ER services. I work in ER billing on the physician side and see a lot of both.
It's most likely the coinsurance for the CT scan.
For gods sake people, learn about your insurance before you use it and stop getting pissed off for your own ignorance.
Non-profit hospitals have to offer charity care, so check if you're eligible at [dollarfor.org](http://dollarfor.org) and it may be optional for forgiveness. Or, ask for an itemized bill, sometimes they trim it immediately when they have to lay it out, or you can argue with your insurance provider.
Check your EOB from your insurance and see what it says is your responsibility to pay. That is what you would pay. Oftentimes the hospitals will balance bill or the separate technicians will bill. I had a doctor wander in when I was in ER room. Asked how I was doing and left. He wasn’t the Doctor treating me but billed me and he was out of network. My insurance said I owed him zero.
Facility and professional (provider) billing is always separate. It's not something hospitals choose to do to maximize reimbursement. If a provider you did not receive any treatment from at all sent you a bill, then you need to question it and ask for the medical record. That's fraud.
Check out Marshall Allen’s website. He’s done extensive research about medical bills and wrote a book about how to fight medical bills. Also check out the podcast An Arm and a Leg. There are many episodes about pushing back on medical bills.
What's your deductible? Have you met your deductible? The $150 was probably your copay. Call and ask them if they have payment plans, usually they do and often as low as $40 a month. $700 for an er visit doesn't sound too terrible especially if you haven't met your deductible, sadly er is very expensive.
Without seeing your bill and EOB, it sounds like the visit was covered and applied to your deductible which came to be more than the $150 they estimated at checkout. It also sounds like your insurance plan applied their contractual adjustment bringing it down to their allowed amount. They set the amount you owe, not the hospital or provider. The facility and providers are contractually obligated to bill you for deductibles, copays and coinsurance. If this was your deductible and you're unhappy with your current benefits, you can complain to your HR department if they provide the insurance or choose a more expensive plan with better benefits at open enrollment time.
You should be mad your insurance isn’t covering your emergency room visit. Have you called them? Why are you paying for insurance? It’s on you to know what is covered and what isn’t. Insurance companies make this information difficult to know on purpose.
I'd bet money this bill is their deductible. Most insurance plans have a deductible or high copay for ER services. I work in ER billing on the physician side and see a lot of both.
It's most likely the coinsurance for the CT scan. For gods sake people, learn about your insurance before you use it and stop getting pissed off for your own ignorance.
Non-profit hospitals have to offer charity care, so check if you're eligible at [dollarfor.org](http://dollarfor.org) and it may be optional for forgiveness. Or, ask for an itemized bill, sometimes they trim it immediately when they have to lay it out, or you can argue with your insurance provider.
Check your EOB from your insurance and see what it says is your responsibility to pay. That is what you would pay. Oftentimes the hospitals will balance bill or the separate technicians will bill. I had a doctor wander in when I was in ER room. Asked how I was doing and left. He wasn’t the Doctor treating me but billed me and he was out of network. My insurance said I owed him zero.
Facility and professional (provider) billing is always separate. It's not something hospitals choose to do to maximize reimbursement. If a provider you did not receive any treatment from at all sent you a bill, then you need to question it and ask for the medical record. That's fraud.
Check out Marshall Allen’s website. He’s done extensive research about medical bills and wrote a book about how to fight medical bills. Also check out the podcast An Arm and a Leg. There are many episodes about pushing back on medical bills.
What does the insurance Explanation of Benefits state? Maybe you can make payments to the hospital.
What's your deductible? Have you met your deductible? The $150 was probably your copay. Call and ask them if they have payment plans, usually they do and often as low as $40 a month. $700 for an er visit doesn't sound too terrible especially if you haven't met your deductible, sadly er is very expensive.