I went to a doctor for a colonoscopy. The insurance company assured me the procedure would be covered 100% since it's preventative. Given the huge increase in premium, I don't have extra money. Since it was covered 100%, I decided to have the test done.Now a second doctor, the doctor that interpreted the results, sent me a bill. Foolishly, I paid it. The doctor is out of network, so I get billed.If I had known the doctor was out of network, I would have asked for a referral to a truly in network doctor. The insurance company advised me to reverse/dispute the charge and tell the doctor to submit the bill. The out of network doctor (office staff) said she will not submit the bill. Well, sister, then you aren't getting paid. The bank folks already reversed and disputed the charge.
@fcabanski: That is not insurance fraud. That term refers to the fraudulent attempt to receive services intending that payment be made by an insurance company not legally responsible. That type of thievery of raises everyone else's premiums. Â
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