Large medical bill uncovered by insurance
April 20, 2012 3:09 PM Subscribe
I thought my medical procedures would be covered by my school's health insurance, but I was terribly wrong. Now I owe more than $4000. Please help me calm down and think about possible options.
posted by tickingclock to law & government (33 answers total) 1 user marked this as a favorite
Due to some stomach problems, I had some medical procedures and tests done in February, including a colonoscopy under general anesthesia. I was under the impression that these would be covered by my school's health insurance -- but I was very, very wrong.
I received some statements from the insurance company, and it looks like I owe $4103.47 total; I do not have this money. What should I do? I contacted the company, but they are closed for the weekend.
I know that there is nothing I can do right now, but I'm worried and panicking. I tend to be anxiety-prone anyway, and having to wait until Monday is driving me crazy. I feel stupid for not opening these statements earlier -- they were issued in late March. I feel terrible, stupid, and really scared.
I have no idea how any of these things work. Will I be expected to pay for everything upfront? Are there ways of reducing the charges? I'm in New York, if that matters.
Thanks in advance.