Surgery and eating

rickiimarieee

PAV8888 wrote: »

First of all hugz.

If this were a civilian situation I would suggest having a chat with HR to see why my coverage is so pathetic and what, if anything, I might be able to do to get smaller bills.

It could be that you're getting gouged by the providers, or missing the opportunity to cover things that could be covered, or maybe would be able to get some of these things covered if you did them somewhere else or through a different referral pathway. <--- if you know you have these options you can then decide if they are worth pursuing.

I always thought that you guys took relatively good care of your serving forces.

Based on what you have been through lately I really wouldn't want to use the same hospitals and providers you have been!!!!

Unfortunately the doctors I’m seeing are specialist and the only ones even within a reasonable distance from me (have appointments every week or so). Nah for me, it’s been a joke. I also help run my family’s nursing home (it’s based for veterans, my dad is a veteran) and the VA is a joke as well.

deannalfisher

rickiimarieee wrote: »

deannalfisher wrote: »

rickiimarieee wrote: »

deannalfisher wrote: »

rickiimarieee wrote: »

deannalfisher wrote: »

did you go to an authorized provider? i had tricare (both active duty and reserve for years) - and as long as i went to an in-network provider - i paid no more for them than i did for my civilian insurance

are you on tricare prime? tricare remote?

My civilian insurance, I never got any medical bills. Now with tricare, even with referrals and in network providers I’m still paying 1000+ for everything (surgeries and scans, I had surgery every two weeks for 9 months so you can expect 2000+ a month really adds up) Except for blood work and etc, that I pay around 300-400.

are you contacting tricare after you receive those bills to question why? often times a hospital/doctor doesn't want to deal with tricare and just sends the bill - you shouldn't be paying ANYTHING like the amounts you are describing. what are the EOB's saying? - are the doctors trying to charge you more than is authorized (you should get these from tricare)

No I haven’t contracted them. I receive letters in the mail from my doctor saying how much I owe, then get letters in the mail saying I owe from Humana.

you need to call humana - you should get EOB's for all services (explanation of benefits) which should tell you what they covered and what you owe if anything - if you are using out of network docs that could maybe explain the charges - but i would then ask why isn't your PCM referring you to in-network

They are all in network providers, specialists, so I needed a referral from my PCD. I’ll give em a call.

make sure when you call you have your EOB''s in hand - that will give you ALL the information you need - do you have them (you should get within a couple weeks of a visit to a provider)

rickiimarieee

deannalfisher wrote: »

rickiimarieee wrote: »

deannalfisher wrote: »

rickiimarieee wrote: »

deannalfisher wrote: »

rickiimarieee wrote: »

deannalfisher wrote: »

did you go to an authorized provider? i had tricare (both active duty and reserve for years) - and as long as i went to an in-network provider - i paid no more for them than i did for my civilian insurance

are you on tricare prime? tricare remote?

My civilian insurance, I never got any medical bills. Now with tricare, even with referrals and in network providers I’m still paying 1000+ for everything (surgeries and scans, I had surgery every two weeks for 9 months so you can expect 2000+ a month really adds up) Except for blood work and etc, that I pay around 300-400.

are you contacting tricare after you receive those bills to question why? often times a hospital/doctor doesn't want to deal with tricare and just sends the bill - you shouldn't be paying ANYTHING like the amounts you are describing. what are the EOB's saying? - are the doctors trying to charge you more than is authorized (you should get these from tricare)

No I haven’t contracted them. I receive letters in the mail from my doctor saying how much I owe, then get letters in the mail saying I owe from Humana.

you need to call humana - you should get EOB's for all services (explanation of benefits) which should tell you what they covered and what you owe if anything - if you are using out of network docs that could maybe explain the charges - but i would then ask why isn't your PCM referring you to in-network

They are all in network providers, specialists, so I needed a referral from my PCD. I’ll give em a call.

make sure when you call you have your EOB''s in hand - that will give you ALL the information you need - do you have them (you should get within a couple weeks of a visit to a provider)

Never got EOB’s