I never received a billing statement by mail so I finally called my insurer, BCBS – MA. I was told by the customer rep that billing statements are not mailed to a member patient when a procedure is fully covered by a benefit. The statement was/is accessible on-line. I registered and so now I can see the statements on-line. I have a lot of questions about the site, but I’ll focus on the topic.
I had two bills for the procedure:
One for the doctor: Service: Surgery, Billed: $800, Amount Allowed: $581.51, Benefit amount: $581.51 , My Balance: $0.00
One for the clinic: Service:Existence, Billed: $1750, Amount Allowed 605.88 Benefit amount $605.88. My Balance $0.00
Existence is my term. I presume this item is strictly overhead cost. This physician formerly worked out of Emerson Hospital, but now has his own facility.
There is no itemization. Actually there is nothing to indicate that I had a colonoscopy at this visit. I went to the facility, was sedated. Who knows what actually happened. I was not paying attention. I was picked up by a friend who drove me home. Now I know why that friend chooses not to be sedated.
Will these records be available for the rest of my life? The web source for these pages is readable, printable. I have downloaded the pages, so I’ll see if they are parseable and thus subject to subsequent analysis.