Question:
I had a question about a vision insurance claim problem. Here's the
story -
I found this doctor (Doctor A) listed under my in-netowrk provider,
under my vision insurance plan. Made an appointment for an eye
examination. The exam is covered-in-full for the in-network provider
(per the benefits documentation). Went there. Unfortunately, did not
have my id card. But my provider (OptiChoice) had told me the new name
- DavisVision (they will be merging into this new company) as the
company name. So I told the front-desk receptionist this name. She
did a search using my SSN, but did not find me under this company.
I decided to pay for the exam beforehand, knowing that I can get a
claim afterwards. I was seen by a Doctor B, in that office. Paid
$100.
Called my insurance company to get the details on getting my claim.
They called the doctor's office for more details. There the
receptionist told the company that Doctor B was not in the network,
hence I'd just be re-imbursed $32 (out-of-network).
So my question - is this ethical. My eye prescription had Doctor A &
Doctor B's name on it. I went there knowing that this office is in the
network. But then I got this surprise that this Doctor B is not. What
are my options to get this rectified. Welcome any suggestions.
What do you know about Vision Insurance Company?
Answer:
A written notification to the insurance company would be appropriate
as well. If this was merely an accident, then it probably rarely
happens. If this is an intentional method to upcharge people with
insurance plans that pay poorly, then your insurance company would
want to know that their beneficiaries are being poorly treated.
It sounds to me like an honest mistake due, in part, to you not having
your insurance card with you. Give your doctors the benefit of the
doubt, and notify them of the problem. Give them the opportunity to be
heroes.
Consider some alternative methods of reimbursement too. Perhaps a
certificate for next year's exam or money off contacts, sunglasses,
etc. I'm sure they want to keep your business, and this may be a good
way for both of you to come out ahead.
