Cue head exploding
Back in May, when we decided to go ahead and schedule my HSG, I was freaking out, trying to figure out how we were going to pull $4,000 out of thin air. I knew that the insurance I have through Keegan's work wouldn't cover any of the cost, so I decided to call up the insurance my dad has, (for some reason,) kept me on. Thankfully, they said they would cover the entire procedure, minus the $250 deductible.
Fast forward to the day of my HSG and I'm sitting in an office in the hospital discussing insurance and payment. I told the lady that I wanted to put my dad's insurance as primary because they would cover the procedure and Keegan's as secondary, just in case, thinking this had nothing to do with how my regular doctor's office billed my claims. I swiped my debit card for the $250 deductible and went on my way to get x-rays taken of my lady bits.
My HSG was almost two months ago and we haven't heard anything from either insurance company, until last night. We got a letter from my doctor's office saying that "BCBS (Blue Cross Blue Shield) recently recouped all previously paid claims stating "other primary insurance..." as well as stating that we owe $1,826.
Basically, because I used my dad's insurance to cover the HSG, BCBS thinks I have other primary insurance so they shouldn't have to cover any of my claims from the last year. I honestly didn't realize that making my dad's insurance primary for the HSG would affect my claims, especially all of the ones from the last year!
So, now we're stuck. Keegan is going to call BCBS to explain what happened, but from what I understand, we have a few options:
- We can keep my dad's insurance as primary and submit all of my claims from the last year to see if they'll cover any of them.
- We can keep my dad's insurance as primary and pay the $1,826
- We can make BCBS primary for the HSG and submit the claim to them to see if they'll cover anything. Since I know they won't we'll have to pay the $4,000.
- Figure out how long I'll have to keep my dad's insurance before switching back to BCBS without having to pay back any of the claims. I'm thinking the beginning of 2014?
More than anything, I'm embarrassed this happened. I guess I was so nervous out about the procedure as well as excited that we found a way to cover it, I didn't think when I gave the hospital my dad's insurance. I'm also mad that we have to go through this. It all comes back to the "most women can get pregnant with a bottle of wine and a night with their husbands while I'm paying thousands of dollars just for the chance" mentality that I'm sure we've all had.
Does anyone have any advice? I'm sure I'm not the first one to mess things up like this, right?
*I figured "Oh for fuck's sake!" wasn't an audience pleasing title