While I wait for my new employer health benefits to kick in (have to wait 3 months from start date), I enrolled in a short-term policy through United Healthcare (UnitedHealth One). I stupidly just assumed preventive care would be covered, but I would soon find out that my plan doesn't cover preventive care (including vaccines). I should have confirmed with my insurance beforehand, I admit I made a mistake with that.
I first went to the CVS Pharmacy to get my vaccines, but when they ran my insurance they told me I didn't have benefits for vaccines through the pharmacy, and instructed me to go to the Minute Clinic instead. So I went there and they ran my insurance and didn't say anything about out-of-pocket costs or non-covered benefits. Got my vaccines and left. Received an EOB from my insurance and a bill from Minute Clinic (Here is a screen shot of both). I was confused because the EOB had repriced amounts listed and way lower patient responsibility than my bill.
I called my insurance company and they said it's up to the provider's discretion if they want to charge the repriced amounts or the full amount. I called Minute Clinic to ask them about this and they said they can only charge the full amount since it's a non-covered benefit. I also asked if they could offer any discount or anything for paying the full charges and they said no, and they told me to contact my health insurance company.
Any thoughts on how to proceed? I know I messed up not confirming my benefits prior to getting the vaccines, but $444 for two vaccines is insane. I'm willing to just eat the cost and learn my lesson, but wanted to see if anyone had any recommendations on how to get my cost down. Thanks!
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