Yes, I was billed or I should say my health insurance was billed by the hospital for certain treatments that I refused. I saw this on the itemized statement that Blue Cross/Blue Shied sent to me (detailed listing of procedures done and what they paid for them). I called Blue Cross right up and told them what I refused at the hospital. I do have to admit that Blue Cross was really awesome in this situation. They fought it out with the hospital, I did not have to. About 2 weeks later I got another itemized bill from the insurance company and these charges were no longer on there.
Did you call Blue Cross and tell them that you did not have these procedures done. I wonder if your dentist submitted a claim for them. That would probably be the only way you would receive a bill from the insurance company. For me and my insurance I donít pay anything to the insurance company (ok my bi-weekly premiums), I pay the provider for the charges and then they bill my insurance company for their part.
My problem with Blue Cross is that they have denied 2 claims that were submitted. Both of these claims should have gone through without any problem at all. I went for a mammogram 2 years ago. My doctor sent me and they called Blue Cross/Blue Shield first to get the authorization. I had a lump right above my left breast. As if this was not scary enough, the scare I got after I went for the mammogram was worse than the scare of the lump. While I was at the Wendy Logan Clinic in Rochester (one of the best in the area), they did the mammogram and then an ultrasound. I even had 2 doctors look at me that day. Turns out it was just inflamed cartilage and not cancer (thankfully). Imagine my surprise when I got the itemized statement from Blue Cross. They paid the mammogram at 100% just as they stated they would. They did not pay the ultrasound of the 2nd doctor though. They were denying these claims.
I received a bill in the mail from the clinic for the items the insurance company denied. I had to call and fight it out with the insurance company several times before they finally reimbursed me. I did pay the clinic, I didnít want an unpaid doctor bill to go to collections and ruin my credit. I should never have had to fight that out with Blue Cross. I pay top dollar for their health insurance.
It seems lately that many places are not as willing to take the time and setup pre-authorizations for patients which to me seems stupid as if you are given the time needed to get things in order and can do it, you would be a returning client. That is at least the way I see it. Most times I end up getting pre-authorizations when I can to avoid any insurance issues down the line. My work has changed carriers a few times so I would rather be safe than sorry. I also need a good bit of dental work so pre-authorizations come in handy when you are planning some heavy duty future work to be done.
Most places that will allow them are able to setup one while you wait either on the phone or in person, I know a couple of places will also be nice and mail them out to you if you call in. The latter though is sometimes a win-lose, for each you find that will, there is always one that will not. Maybe some places are just not willing to "waste" the postage if you end up not coming back after seeing the estimate.
The only real times I have ever had any issues is when a place refused to believe that my insurance said it would be less money fr myself and them for the treatment needed. I guess they had went to change policies and either up or downgrade but somewhere along the lines some people were not updated on the changes. I guess it could have been much worse but I am thankful I have had relatively good experiences. Now trying to deal with car dealerships is another story. I would take a dentist or doctors office over a dealership any day.