So last month, my company's insurance company, CIGNA, called me and said that I should get a blood test done. My doctor tells me it's a good idea. Since he can't do blood test in his office, he sends me across the street to the hospital to have the work done. Not a problem, CIGNA covers 80% of the cost of my doctor visits.
A couple of days ago, I get a bill from the hospital (because my insurance had paid its part) for $502. No, this is not my 20% charge for the visit. It seems my insurance company does not like hospital visits. And no one, not my work, not CIGNA, not my doctor, informed me that I would charge the full amount for that fateful walk across the street. When I spoke with our human resource director, Ms. Catbert, she said she wasn't going to do anything about it. But that was no surprise. So I called CIGNA who said they will send me paperwork to begin a review of the claim.
Wonderful. Even though part of the blood work was for a PSA test (check for prostate cancer), I can hear the playful snap of exam gloves being put on by the hospital and the insurance company as they bend me over to see who's going to make me pay. Maybe this will work out and the insurance will do their job. But I can't hold my breath over this. I'm afraid that if any damage results, I won't be covered.
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