Doctor and Hospital Payment at Time of Service

Patient Payment at the Time of Service Is Often Incorrect.
Here's Why:
A Hospital Estimates the Patient Out-of-Pocket Responsibility Based on the 1) Insurance Plan Design and 2) the Insurance Accumulator.
The Insurance Accumulator Tracks Healthcare Provider Bills for Each Plan Member and Adds Up the Patient Payment Responsibility Against Their Deductible and Out-of-Pocket Max.
Problem: The Accumulator is Often Wrong Because Previously Seen Doctors, Labs, Imaging Centers or Hospitals Have Not Submitted Their Bills Yet to the Insurance Company. Therefore, the Member is 'Further Along' on their Accumulator Than It 'Looks.'
As a Result, the Hospital OVER-ESTIMATES the Out-of-Pocket Cost of the Patient at the Time of Service.
Watch the Video to Learn How to Prevent This Problem.
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[@johnrobert2074]

I’ve seen a doctor in emergency room for a skin rash the doctor walked in and said you’re gonna have to see a dermatologist he was in and out of the room and less than a minute later I got a $1300 bill from the doctor and a $500 bill from the emergency room

[@ahealthcarez]

Unreal! Thank you for sharing your experience.

[@RafaelMelendez-hm5ej]

So they do can denied service if you dont have money at front 🤔

[@ahealthcarez]

Correct. Thank you for your question.

[@meowser7]

My husband had hernia surgery. Surgeon asked for 1k up front. We payed then he billed insurance 1.2k he received $457 from insurance and our responsibility is $152 total around $609 members discount was $615. Since we paid the 1k would I be able to ask for the remaining $600 back from the surgeon?

[@ahealthcarez]

Yes. Potentially even $848… the $1K - the $152 that was your responsibility.

[@meowser7]

@@ahealthcarez Thank you so much for responding. The hospital is still charging us a little over 3k I hope I can get him to refund me that money and send it towards the hospital charges.