Now the fun with Cigna really begins...
Before my surgery I called Cigna like an obsessed person. Did they get my predetermination paperwork yet? Had they approved it yet? Are we sure we're talking about the right hip? How much will I owe? $4,000, OK. OK, NOW TELL ME AGAIN THAT I WILL ONLY OWE $4,000, RIGHT????? They swore up and down, that's all I would owe.
Guess what? They're leaving me on the hook for more than $8,100. of the surgeon's fees. Of course they are. Insurance companies are in the business to make money, not pay to it out.
And so now the appeal process begins for me. Little do they know, I'm not going to roll over and/or give in. I've also kept copious notes and call reference numbers every time I contacted them. I am not going to be beaten by them.
My biggest fear is that they will screw me entirely when I try to have my left hip done later this year.
AAAAAARRRRRRRGGGGGG!
11 years post op
4 years ago
3 comments:
How come you have to pay so much? Is that your copay? I am stunned.
I only had to pay out of pocket $1000 for the whole year.
Something doesn't sound right....I would fight it too!
(flustered in so cal)
Hi Lisa,
My surgeon is out of network (as are almost all specialists in NYC)which is why we have the high deductable. Like I said, I'll be damned if I'm going to pay the whole $8,100 they're trying to stick me with.
I am fearful for my other hip though.
best,
LH
My insurance company just got bought out by Cigna, so I'll definitely take your advice about tracking every conversation I've had with them. I, too, have called them more than once to make double check my out-of-pocket expense (shouldn't be more than $2,300). Good luck getting all that straightened out. Son of a!
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