TLDR at bottom.
Title pretty much says it all. Our 3rd baby was born in December, and this OB had delivered all of ours. Their office had always had the prepayment policy, but inevitably the hospital would file with insurance first, so her doctor would always end up refunding us most of the money because we had hit our deductible. We usually got it back in 2-3 weeks, and it was never an issue. With this one, we were chasing them for about a month and a half for the $1,700 in overpayment they owe us, which was very unusual. A few days ago I called the office, ready to demand an explanation and insist we get our funds ASAP considering they committed the refund a month ago, and I get an “after hours” message from their line in the middle of the day. Did a little bit of digging on social media, and it turns out the doctor suddenly closed his practice.
No notes on the main webpage, nothing on the voicemail about it, Google still says they’re open, etc. I have the doctor’s cell, who finally responded once and says that Suzie (not her real name) would take care of it. The fun part is, I talked to “Suzie”, who said that she was no longer employed there and did not know what he was talking about.
Long story short, I called my insurance company (UHC) and told them the story. They confirmed that the doctor is still under contract with them, and that they would support me if legal action is necessary because the doctor was clearly overpaid according to our plan. They said they would give him some time to respond first before escalating. I’m trying to get them to put some heat on it, because it seems there are certainly some red flags with how he’s acting.
Anything I should be doing now besides getting insurance to pursue this? Another question – if he declares bankruptcy, are we in danger of never seeing this money, or not seeing it for a very extended period of time?
TLDR: OBGYN made us prepay for wife’s prenatal care/delivery. Owed us $1700 for deductible overpayment. Closed doors after already agreeing to reimburse, but never did. Red flags like no notice on website, nothing about being closed on voicemail, still shows open on Google, referring me to terminated employees. Insurance company involved. Am I screwed if he declares bankruptcy?
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