Re: Charged for Download?!
Posted: Wed Jun 06, 2012 10:09 am
I may be in the minority on interpreting your post, and believe me, NONE of what I am about to say was meant to be snarky, so here goes...
The doctor's office billed for timed services and I'm not sure I understand why so many are upset with this. It took someone (doctor or otherwise) time to download and review the data. I certainly know of no one who works for free. I sure don't. It is a valid charge - just as time with the doctor is a valid charge.
An "after-the-fact" bill is what they sent you after the initial charge was sent to your insurance for payment. Sure, it can take a few months to get one. It takes time for the charge to be submitted and the insurance company to review and pay their portion. What's left is your co-pay. If it troubles you, you need to contact your insurance and discuss what they pay and how long it takes them to pay for services. If it's the data collection charge itself that bothers you, perhaps you can request for them to accept your own printed data, but you would still pay for the review time (i.e. follow up appointment to go over your data).
It would be of great benefit to you to have a very detailed conversation with your insurance provider about exactly what coverage you have as it pertains to your sleep doctor, DME's, equipment and replacements, and any other charges for services. This way, you can get a grasp on what truly is your portion and what you can expect to pay. EVERY insurance plan is different and some pay more, some pay less.
As far as no feedback, ASK. I highly recommend becoming your own healthcare advocate. Call the receptionist at your doctor's office and ask what should be your normal schedule of appointments now that you're doing therapy. Call and ask for a follow up to discuss the reviewed data (if you are cool with the co-pay for it, that is...).
Use the time you are face to face with your care provider carefully. ASK questions in the order of importance so that you may understand what to expect as time goes on. You should have a clear indication from the doctor of when he wants to see you and what for. If he/she doesn't give you that information, someone at the office should.
The prescription: You don't specify how long it has been since the script was written until the expired date. If the script was not written as a "lifetime need", it may indeed have expired. Get a copy of the prescription for yourself, ideally with lifetime need written on it, and do your own shopping through whatever DME you choose. You do not HAVE to go with theirs. Even through insurance, you have a choice for an out of network DME, but what you end up paying might be more. In my case and as an example, it would reduce my 80/20 coverage to 60/40 (40% being my responsibility). The point is that you DO have a choice. It's up to you how much you wish to pay.
You might be jumping from the frying pan into the fire with switching doctors, but if you feel that's necessary, by all means it is within your rights as a patient to do so.
Many of the issues you're reporting can be resolved through obtaining your own copy of your prescription (ASK specifically for one that does not expire), educating yourself on your insurance benefits, and to understand the process of follow up appointments and reviews from your doctor's office and the manner in which they bill for those services.
I wish you the best of luck in finding answers to your questions and the best of success in your treatment. Communication is your way out of the confusion...
Marianne
The doctor's office billed for timed services and I'm not sure I understand why so many are upset with this. It took someone (doctor or otherwise) time to download and review the data. I certainly know of no one who works for free. I sure don't. It is a valid charge - just as time with the doctor is a valid charge.
An "after-the-fact" bill is what they sent you after the initial charge was sent to your insurance for payment. Sure, it can take a few months to get one. It takes time for the charge to be submitted and the insurance company to review and pay their portion. What's left is your co-pay. If it troubles you, you need to contact your insurance and discuss what they pay and how long it takes them to pay for services. If it's the data collection charge itself that bothers you, perhaps you can request for them to accept your own printed data, but you would still pay for the review time (i.e. follow up appointment to go over your data).
It would be of great benefit to you to have a very detailed conversation with your insurance provider about exactly what coverage you have as it pertains to your sleep doctor, DME's, equipment and replacements, and any other charges for services. This way, you can get a grasp on what truly is your portion and what you can expect to pay. EVERY insurance plan is different and some pay more, some pay less.
As far as no feedback, ASK. I highly recommend becoming your own healthcare advocate. Call the receptionist at your doctor's office and ask what should be your normal schedule of appointments now that you're doing therapy. Call and ask for a follow up to discuss the reviewed data (if you are cool with the co-pay for it, that is...).
Use the time you are face to face with your care provider carefully. ASK questions in the order of importance so that you may understand what to expect as time goes on. You should have a clear indication from the doctor of when he wants to see you and what for. If he/she doesn't give you that information, someone at the office should.
The prescription: You don't specify how long it has been since the script was written until the expired date. If the script was not written as a "lifetime need", it may indeed have expired. Get a copy of the prescription for yourself, ideally with lifetime need written on it, and do your own shopping through whatever DME you choose. You do not HAVE to go with theirs. Even through insurance, you have a choice for an out of network DME, but what you end up paying might be more. In my case and as an example, it would reduce my 80/20 coverage to 60/40 (40% being my responsibility). The point is that you DO have a choice. It's up to you how much you wish to pay.
You might be jumping from the frying pan into the fire with switching doctors, but if you feel that's necessary, by all means it is within your rights as a patient to do so.
Many of the issues you're reporting can be resolved through obtaining your own copy of your prescription (ASK specifically for one that does not expire), educating yourself on your insurance benefits, and to understand the process of follow up appointments and reviews from your doctor's office and the manner in which they bill for those services.
I wish you the best of luck in finding answers to your questions and the best of success in your treatment. Communication is your way out of the confusion...
Marianne