My wife just delivered a healthy baby boy a couple of months ago. We were careful enough to choose an in-network OBGYN and an in-network hospital for delivery. In spite of that, we just got a bill of $16500 for the anesthesiologist. Supposedly, he was out-of-network, and my wife finally went for the epidural after trying to bear the pain for hours. Insurance only paid $1500, so the total bill was $18000. And, we're on the hook for $16500. We have Aetna Choice POS II and the insurance is through my employer. Premium is $500 per month, and it should cover everything related to maternity, but the hospital fucks up by using an out-of-network physician.
What the f is wrong with this country? How do they expect any normal person to pay this amount of money? Plus, do they expect someone in labor to ask every nurse or doctor checking on them to see if they are in-network or not? Do they expect husbands who are already overwhelmed with everything that's happening to do their due diligence every fing single time.
Can someone please advise how to handle this? We do plan to call insurance, but they will likely deny because of the out-of-network status. We'll also call the hospital, but is there a chance to waive of this bill? We fall just out of the income threshold so we won't qualify as low income status.
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