My health care plan benefit changed and I wasn't notified, now I am responsible for large bill.?

Question

In April of 2008 I had an emergency room visit costing nearly $5000, which I paid 100 copay for. After receiving a bill, for the remaining amount I found out that the plan benefits changed in Marach 2008 and instead of just paying a 100 dollar copay, I am now responsible for 3000- my deductible. What can I do? I never received the letter and didn't know about the change? Obviously the medical cost to me is quite large now...

Answer 1

Nothing you can do except pay it - even if you need to make payments. It's the patient's responsibility to know their insurance before they seek care. It's not the insurers' responsibility to make sure you received the letter,and it's definitely NOT the provider's responsibility.

Answer 2

Well, you have to pay the deductible.  YOu'll have to work out a payment plan with the emergency room.

"I didn't know the plan changed" doesn't change the fact that the money is due for services rendered.

Answer 3

WOW!  Shoulds like you have some payments to make!  Its your responsiblity to ensure that there are or are not any changes made to YOUR account!  I am sure if it was your paycheck or your bank account you would be on top of every penny!