Back in November, I had a cough that last for a little over a month, so I finally decided to go get some antibiotics.
I have pretty good insurance with UMR, and before going, checked to see if MinuteClinic was in network (it was). Since then, I've received a bill for the full amount rather than the $30 copay I paid up front. Insurance denied the claim due to it being a "general exclusion (retail clinic".
My question is why is MinuteClinic showing as In-Network if nothing there is covered? Am I wrong to be completely confused on the point of "network" if it can be overwritten by some weird fine print at the back of my EOB? I never would have went in had I known this would be the case
Went to MinuteClinic to get antibiotics for cough/sore throat, left with $300 bill
byu/ToeyGowd inInsurance
Posted by ToeyGowd
4 Comments
Breaking news – insurance is a scam
This isnt an in network vs out of network issue, there’s a hardline denial based on the place of service (walk in retail clinic).
Now, I’ve never seen this kind of exclusion before, so I suggest calling UMR to get more information on this denial.
You stated it’s in network so it doesn’t matter what they’ve decided tell them when you call you’ll be reporting them to the insurance commissioner if they refuse to pay it when you call. And then file don’t just threaten it do it.
Capitalism and private equity! These used to be $75 flat fees without insurance but private equity realized that they could bill insurance big money and they could care less if it was a high deductible plan or not, they get paid either way.