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Re: Deposit on surgery question (doctor your opinion please) Attn: KristyFrom: Nadia (anonymous@obgyn.net)Mon, 29 Apr 2002 21:58:41 -0500 (CDT)
This is an interesting thread. I am self-employed, and I thought I had adequate insurance. I pay more than $500 per month for it. My co-pay for an endometrial ablation was supposed to be $2,000. The hospital charged $9,400. The insurance company approved $794 and I paid it. The surgeon charged $3500. The insurance company approved $380 and I would pay it, but the doctor hasn't sent me the bill. Some insurance, huh? They don't actually pay anything. They just approve 10% of the charges and then apply it to the deductible. The insurance clerk in the doctors office told me the doctor is real mad about it and now I don't want to go see him again even though I have unusual pain from the surgery. I mean, if he is too mad to even bill me? Do I want to deal with that? Personally, I think $3500 is rather a lot to charge for a 30 minute operation. But that is just my opinion. Anyway, when a doctor asks for a co-pay up front, don't be surprised if it is more than $25 or $100. In my case, the doctor should have negotiated with me up front. I might have been willing to pay, oh, let's say $1200 or something. But the way things are now, we are not even talking to each other.
-- Nadia
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