i have an issue. i was planning on using my care credit card to pay for a procedure. after the procedure i used it and the available balance was gone. it was reduced by the bank thay offers care credit. after i used my insurance i still owe $862. i dont know how im gonna pay them.
From the customer's perspective, I found this video to be quite informative. In my case, the dentist estimated that I would owe $0 for a procedure. This procedure was done 4 times. However, my insurance denied all 4 instances. They said that the dentist did not consider the conditional statement. In other words, the procedure would only be covered in certain conditions. Interestingly, the dentist said they printed the coverage from the portal and it didn't say anything about conditional statements. When I brought this up to the insurance company, they understood and said they will get back to me. This all happened today, and the balance is just over $300. What should I do as I move forward? Thanks in advance.
So as a patient, I was estimated and paid about $60 only to find out a year later I owe $420. If I would have known that before hand, I would have gotten another quote from someone else. If the system has been this bad for so long, why isn’t it fixed? And how can I avoid this in the future?
I am so sorry this happened to you and unfortunately, it still happens all the time. The reason is that the insurance companies offer different plans to different employers. The dental offices try to do their best to get from the insurance company what they would cover for a procedure but many times the insurance company won't give an exact amount until the claim is submitted. The dental offices attempts to estimate it for the patient but then the insurance company, based on their negotiated plan with the employer pays less than what was estimated. The only way for you to get ahead of that is for you to call the insurance company yourself with all of the information from the dentist about what is needed and find out what they will pay. The dentist is there to help you keep your teeth for life, whether the insurance company pays or not. The insurance company works for you, the patient -so if you want to make sure you know what they will or won't pay, you will need to talk with them. It is definitely a tough scenario.
