I had to visit the ER a few times, and on the second day, my pain got worse. I was admitted, had surgery, and ended up staying for 3 nights. It was expensive with all the blood tests, medicines, surgery, and anesthesia.
I couldn’t pick in-network providers, but I checked, and thankfully the surgeon and internist are in-network. The ER doctor, who barely saw me and added a couple of notes in my chart, isn’t. I also can’t find info on the anesthesiologist. So now I’m wondering, will everyone involved be part of this bill I’m waiting on? Like the nurses, physician assistant, lab work, pathology, housekeeping, nutrition, etc.?
I’ve got a $4,000 deductible and a $7,500 out-of-pocket max. I’m $1,500 away from hitting the OOP max because I’ve had a lot of medical expenses this year. After I reach the $1,500, will I still have to pay for all the out-of-network providers like the ER doctor and maybe the anesthesiologist?
For any ER or hospital visit, you will receive bills/claims from the facility, doctors, anesthesiologist, labs, imaging, and any other services provided.
The facility fee will cover the nurses, room and board, housekeeping, and nutrition.
@Vern
Yes, the hospital is in-network. So, will there be two separate claims since I went to the ER one day and had to come back the next day for worsening pain?
Baylen said: @Vern
Yes, the hospital is in-network. So, will there be two separate claims since I went to the ER one day and had to come back the next day for worsening pain?
You’re covered under the no surprise rule for any true emergency ER visit and related treatment. So don’t stress too much! You shouldn’t pay more than your OOP max if you have a proper marketplace or workplace plan.