I recently had a medical procedure done that had a number of diagnostic tests leading up to a surgery. All of the various bills from that went through insurance, with me paying the out-of-pocket expenses after the fact.
The one exception to this was the hospital fee. I was charged over $2000 while checking in, based on what my insurance was going to pay. I have no idea whether that's normal, but I didn't see any other option, so I paid it then and there.
Two months later, I received an explanation of benefits letter from my insurance showing that my out-of-pocket cost for the hospital visit was $1100. None of my insurance claims reference this $2000 expense, so either there's more information to come, or I've been overcharged.
My guess is that my insurance negotiated the cost down, but I'm still out $900. Do I need to contact the hospital or my insurance? What are my options?
As a side note, all of the other bills are accounted for. My X-rays, MRI, lab fees, anesthesiologist, and surgery were billed separately, and they align with my insurance documentation. The hospital fee is the only outlier.