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Author Topic: Health Insurance Billing Question.
Animica
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I'm not sure if this question is appropriate here but here it goes.

A few days ago, a friend of mine told me she wanted to get a full STI screening, but was afraid her parents would find out that she had when they received the insurance company's bill (she's on her parents' health insurance). I know (well, that's what I could gather from a Google search) that some information appears on the bill, like the fact that there was a visit to the doctor's, but I couldn't tell her whether there would be information about what doctor she'd visited (and if he/she was a specialist), where the office/clinic was, and what type of tests had been done. Since I'm also under my parent's health insurance, and I rarely visit doctors anyway (not good, I know), I've never seen an insurance bill. Oh, and she's 18, so she can go on her own.

I know it's recommendable that she talks to her parents, but I can't force her to do that, so I'll just give her the information.

[ 08-20-2010, 11:22 PM: Message edited by: Animica ]

Posts: 132 | From: La La Land | Registered: Nov 2009  |  IP: Logged | Report this post to a Moderator
orca
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Each company will bill differently, but yes, there is the chance that that information will be on there. If she absolutely cannot have her parents find out, she can try going to the local health department. A lot of health departments offer free/cheap STI testing. If you give me her location, I could see what's available as far as affordable STI testing.

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Listen, strange women lyin' in ponds distributin' swords is no basis for a system of government. Supreme executive power derives from a mandate from the masses, not from some farcical aquatic ceremony.--Monty Python and the Holy Grail

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KittenGoddess
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While it does vary from company to company, there will not be specific information about what tests were done. Because of the rules about patient privacy, it generally would read as "Laboratory Services" or something like that. It will have the name of the health care provider/office that was seen.

If you feel comfortable, I would highly suggest asking your parents about your own health insurance if you do not know about it already. Specifically, ask them how they choose what benefits they will get (what the deductable will be, what's covered, etc.) and then about EOBs ("explanation of benefits" statements) that they get after each visit and how the billing works. Most people are pretty uninformed about these processes.

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Sarah Liz

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Animica
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orca: Yeah, if it's possible, she wants to avoid talking to her parents. I suggested that she visit her GP, but if local health departments offer tests free/cheap, then I'm sure she'll prefer that. Her zip code is 00957. If that doesn't provide any results, try San Juan, which is a pretty well known town, and it's not so far away.

KittenGoddess: Ok, that's good to know. I'll tell her that. I think she'll be happy that the types of tests will not appear on the bill.

And yeah, I should talk to my own parents about my health insurance. I guess it's just a topic that has never been brought up, but I don't think it'll be that much of a problem if I ask. It'll be pretty useful for the future.

***
Thanks, both of you. [Smile]

Posts: 132 | From: La La Land | Registered: Nov 2009  |  IP: Logged | Report this post to a Moderator
   

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