I hit my 2019 out of pocket max after a surgery in Nov 2019 but am still getting bills related to it (e.g. anesthesia). Since I’ve hit my max, I shouldn’t have to pay these. What am I supposed to do? Thanks!
Medical billing is a nightmare.
Bills for major medical events can trickle in for months. In some cases they go directly to the insurance company and the only evidence you see is in the EOB (Explanation of Benefits). Other times you will be the middleman, they expect you to submit bills to the insurance company. Some of thee are in-network, some or out-of-network. Sometimes you will see a bill months later because the insurance company is slow to pay, so the provider wants to get you involved.
I will give an example. A few years ago the county ambulance was called. They have a fee, but only if your insurance company will pay it. So the county bills you, you submit it to the insurance company and they get their money; but if the insurance company rejects the bill you send the notice back to the county and they never ask again.
Remember that the medical provider has no idea if you are below, near, or above your deductible or how your out-of-pocket maximum compares to your situation.