PHOENIX – It is common practice for medical providers to require payments to be made up front and before services are provided, but what can you do if you are still being asked to pay and you know that your insurance will cover the bill?
“It’s definitely one thing to have to deal with,” Samantha said.
After losing her leg in an accident and surviving a riding accident, she says she needed countless x-rays and scans with SimonMed Imaging. However, she says some things need to change with the imaging center because every time she makes an appointment they say she owes a $ 300 co-payment.
“They say to you, ‘oh, if you don’t want to come, oh, if you don’t want to pay, we’ll cancel your date,’” Samantha said.
She says she’s checked her performances countless times and knows she owes nothing out of pocket for the imagery, so why do they insist she does?
“They know they have a broken system. But they don’t do anything about it,” Samantha said. “Everyone pays them because they are tyrants.”
She says she fought for more co-payments but doesn’t want to bother.
We reached out to SimonMed about their payment policies, how they verify insurance coverage and why they insist on this co-payment, but they did not respond by airtime.
So what can you do if you are in a similar situation?
Our insurance expert Michael Malasnik, an independent insurance broker, says to ask in advance when making an appointment if payment will be required in advance.
He says at that point, call your insurance company to verify that it’s allowed in their contract. If not, ask your insurance company to educate the provider or find a nicer provider.
Another option is to file a grievance with your insurance company with the provider so that they can investigate.
Samantha says she used her insurance company on the phone with her when she shows up for her appointment, but it doesn’t always go as planned.
“They don’t wanna touch my phone [because of] COVID. They don’t want to talk on the loudspeaker – privacy. They have every excuse why they want your $ 300 and why they don’t want to listen to anyone else, ”Samantha said.