Won the lottery for health insurance, I believe. USA

Plan Benefits
1

I have a bronze PPO health insurance plan with a high deductible ($6300) and out-of-pocket max ($9500). It costs me $682 a month, but I chose it because it’s one of the cheapest plans accepted by the hospital where I want to give birth.

I went to the ER for severe constipation during my first trimester. After an ultrasound, bloodwork, stronger laxatives, and fluids, I was there for 3.75 hours. The total bill was $26,766. My insurance covers 60%, so I ended up owing $7472 after hitting my deductible.

Surprisingly, when I called the hospital to start making payments, the account representative said I don’t owe anything because the balance was written off as a charitable donation. I didn’t apply for financial assistance and have no idea why my bill was selected. I’m relieved but have some questions:

  1. Why do hospitals do this?
  2. Will they report the write-off to my insurance?
  3. Does this still count towards my deductible since my portion was paid, even though not by me?
  4. Will it count towards my out-of-pocket max even though it didn’t come out of my pocket?
3 Likes
2

You received a large bill for a hospital visit for constipation. Fortunately, the hospital waived the bill completely! Hospitals may do this for charity or to resolve disputes with insurance companies. This will not count against your deductible or out-of-pocket maximum because you did not pay. Call the hospital again to confirm that everything is written off and obtain written evidence. It’s also a good idea to contact your insurance carrier to confirm how they would handle things on their end. Keep any written proof from the hospital for your records.

1 Like
3

Additionally, save electronic copies of the EOB and letter. You wish not to misplace them.

2 Likes
4

Non-profit hospitals are exempt from some taxes, but in order to maintain their status, they must write off a specific amount each year.

1 Like
5

@Jamie I am really appreciative that I went to the correct hospital after that!

1 Like