I want to start using hormonal birth control but I'm afraid that if I go to the doctor to get it that my parents would find out via insurrance billing or something like that. Could they?
Posts: 4 | From: North Carolina | Registered: Feb 2008
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Yep. If you are using your parents' insurance, they will be able to tell from the bills.
So you can either talk to your parents about this honestly and let them know that you want to start using birth control, or you can pay out of your own pocket. If you want to go with the latter option, you may want to look into clinics such as Planned Parenthood where you can sometimes be charged on a sliding scale.
-------------------- Johanna Scarleteen Volunteer
"The question is not who will let me, but who is going to stop me." -Ayn Rand Posts: 9192 | From: Cologne, Germany | Registered: Sep 2005
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My mom's insurance was actually really good about confidentiality, and I could visit the doctor at any time, buy my own prescriptions etc just as long as I paid the co-pay. The insurance took care of the rest.
I'd recommend you call the member services number on your health card and ask them directly. Also call the doctor's office you plan to go to to ask about their billing practices. :)
Posts: 4636 | From: USA/Northern Europe | Registered: Oct 2005
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The way my insurance works is that I have my own card that I present to the pharmacist when I have my prescription filled or to the doctor when I have an appointment; I then pay the co-pay in cash. I don't know what, if anything, shows up on a bill.
Lauren is right- you should call the member services number and ask.
-------------------- I may not have gone where I intended to go, but I think I have ended up where I needed to be. -Douglas Adams.
No matter what your insurance is, if you use it at the doctor's office, the primary person on the insurance (your parents, in this case) will get a statement indicating that charges have been made to the insurance. It will not list specifically what you have been seen for, only that you have been to X office. If any tests are done, it will list that tests have been done (not specifics though generally). The statement (called an E.O.B.) will list the total charges for the visit, what you paid, what the insurance paid, and what (if anything) is still left to be paid. An E.O.B. is not a bill, (if you have charges left to be paid, you'll be billed through your doctor's office for those) but it will say what how much it was and what they are sending back to your doctor's office. Different insurance companies deal with prescriptions differently...some don't ever send statements regarding prescription charges, others send a record at the end of the year listing all of the prescription charges made by anyone covered on that policy in your family.
If you absolutely do not want your parents to even know that you were seen by a doctor, you should not use the insurance. By law insurance companies have to send EOB's so that the person paying the insurance knows what charges have been made against their policy (this is to prevent things accidentally being charged to the wrong policy and nobody noticing). They won't know exactly what you were seen for, but they'll know you were there. You can call the 1-800 number on the back of your insurance card for specific information about exactly what will be sent and for info on how the prescription thing works. If cost is an issue, you can go to Planned Parenthood or another similar-type clinic where they might have a sliding scale, thus lowering your cost.
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