Subject to Change

I blogged twice about the hospital bill for Cole’s birth arriving (here and here). We may have just actually recieved the final bill, more than seventeen months later. The total amount is $250 as we expected, not $1850. Briefly, this is what it took for us to get to this point:

Since blogging about this originally I discovered that the hospital did send out an estimate right away, explaining our expected costs. It was in the form of a letter, explaining that they’d worked things out with the insurance and estimated our co-pay to be $250. There was no due date, nor did this paper look like a bill. They included an envelope for our convenience. I set this paper aside and forgot about it, probably because friends had advised me to wait for the actual bills to arrive before paying anything. This was the only correspondence for more than a year, when we recieved the non-bill bill that set me off.

The $1850 “bill” that arrived fourteen months after the birth looked official. When you place it side by side with the actual bill I now have you can’t tell the difference from a distance greater than about a foot and a half. The difference is in the fine print. The fourteen month statement has no due date. It also has a disclaimer at the top implying that it’s an estimate and informing us to contact our insurance, which is what we did.

Our insurance confirmed that we owed $250. We were told that the hospital submitted a bill, which was paid. The hospital submitted a second bill, not because they were underpaid, but because they had changed their rates! Our insurance actually agreed to pay that, too. It was shocking to hear, because the hospital is supposed to be under contract with the insurance providers to only charge a certain amount for each service. Kelly and I had a good laugh at the arrogance of this and called the hosptial armed with this information. The woman Kelly spoke to at the hospital actually had the nerve to confirm everything we’d been told. They felt that they had still been underpaid. She told Kelly that they were in the process of billing the insurance one more time and would send us the bill for the difference, too bad, so sad.

The actual bill has now arrived, in the amount of $250. Nowhere on it does it say “final statement,” which is frustrating given the history of this exchange and everything I’ve been told about this particular hospital’s billing practices. I’ve since learned from several other patients that this facility is notorious for double billing. It’s also interesting to note that the amounts due for each of three line items on this bill have changed significantly. The total for the three is now $2394.17, minus our insurance payment of $2144.17 is $250.

I’ll be making my best effort to pay this bill, but only for the purpose of closing this account. I don’t feel I should owe the facility a dime at this point and the thought has crossed my mind that I ought to look into suing them for my money back after I mail the check. We might also make an angry phone call to the hospital first, regarding their customer service.

Think about what occured here for a minute. The hospital immediately sent me a “courtesy letter,” angling for my co-pay. Given the way this all played out, do you think that payment would’ve even been booked if I’d made it? I doubt it very much! More than a year later they decided to side-step the insurance company to see if they could extract blood from a turnip. I’m not going to sugar coat it, that’s what they did. After butting heads with the insurance for so long they decided that I should do their job for them by calling my provider on their behalf, or I should just pay them off instead so they wouldn’t have to bother anymore. Do you think there’d be a $1600 refund in my mail box right now if I’d paid that first “bill” instead of ranting about it on the internet and tipping off Jay Weber? I doubt that very much also!

Thank you all, especially Owen, Fred, Steve, and Jay, who supported me during this ordeal. It really helped to know that you were behind me, and to get the second opinions. Everyone else, please remember my example! You may need it one day.

I’m of the mind right now to petition for a new law limiting billing cycles (Cole’s Law). I’m just not sure whether that would serve to aggrivate the situation, because the hospitals could just send out bills for full service costs to side step it. What if they had to refund a portion of the over estimate to the customer? Am I thinking too liberally right now?