chemteacher03
Mouseketeer
- Joined
- Jan 2, 2006
I have been going to a chiropractor for the past month as they cover 100%. I asked the chiro up front, what will be my out of pocket expense...he said none. We decided to do orthotics since I have flat feet. I asked him what the oop expense would be...he said that insurance should cover a vast majority - 80-90%. Well, I received some of the bills in the mail now from insurance. All of the treatments are covered 100%. Unfortunately I now have a bill for $480.00 for my deductible (350), co-insurance (110), and copay (20). All of this is due to the orthotics. Now, the chiro's office told me that if I don't want the orthotics, I don't have to get them...my question is since the deductible is based on the orthotics, will I have to pay the deductible then? Another teacher where I work has had only the treatments and has to pay nothing (no deductible, no nothing). I wonder if I will be able to go into the chiro tomorrow, show him the bill, then have him not get the orthotics... I'm a little peeved right now honestly. Also, I got my wife to start with me and she has a different insurance company where her dedeuctible is 1500. We were upfront about us not wanting to have to pay anything oop for her either. He said we would work it out by billing the insurance company for the orthotics to get the deductible met...if that's the case, won't she have to pay 1500 oop? What the hell? It would be cheaper to just not go as often... So, tomorrow, either he can explain to me how I won't have to pay $480 or else that will be it...I'm done there...and so will my wife...we'll have to get everything straightened out with both her and my insurance as well...especially since I have not received the orthotics yet...
Advice?
Advice?