And I second the statement that the hospital generally cannot charge you more than the insurance company negotiates. Under most insurance you are just responsible for some sort of co-pay; call your insurance company to discuss the extra charges from the hospital, etc. to determine if these are legitimate.
I'm inclined to believe these residual charges are fully legitimate: each Explanation of Benefits statement from the insurance company has a distinct line which reads "You are NOT reasponsible for this amount: $x" and "You are responsible for this amount: $y". In each case, the $y matches the amount in the separate billing from the service provider. The two are definitely in communication about what is being billed and how much.
I may however dig a little deeper into the details of my policy and coverage to ensure that my insurance company (Anthem/Blue Cross California) is applying the correct rules and that they're not refusing to pay for what should be legitimately covered by my policy.
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Date: 2010-04-20 03:14 am (UTC)I'm inclined to believe these residual charges are fully legitimate: each Explanation of Benefits statement from the insurance company has a distinct line which reads "You are NOT reasponsible for this amount: $x" and "You are responsible for this amount: $y". In each case, the $y matches the amount in the separate billing from the service provider. The two are definitely in communication about what is being billed and how much.
I may however dig a little deeper into the details of my policy and coverage to ensure that my insurance company (Anthem/Blue Cross California) is applying the correct rules and that they're not refusing to pay for what should be legitimately covered by my policy.