Medical establishments are stupid everywhere. If your employer doesn’t choose an insurer or self-funded benefit administrator like Cigna, you don’t have these issues.
I have had a generous United Healthcare plan for 15 years. That time period included a high risk pregnancy, a spinal fusion, and a high risk cancer treatment program.
I’ve had zero billing issues. Zero. We did have some prescription formulary issues that were a result of some drugs being specialty drugs with a different process.
My sibling has Cigna, and literally has a problem of some sort with 80% of claims. The latest is an 8-year olds ear infection was determined by Cigna’s subrogation process to be related to a car accident.
That is because you likely went to a provider with a competent billing department. If you go to one with a bad one you will get results like OP. It does not matter if your employer was self funded or if you got the plan over the marketplace. The claim simply will not adjudicate correctly.
I have had a generous United Healthcare plan for 15 years. That time period included a high risk pregnancy, a spinal fusion, and a high risk cancer treatment program.
I’ve had zero billing issues. Zero. We did have some prescription formulary issues that were a result of some drugs being specialty drugs with a different process.
My sibling has Cigna, and literally has a problem of some sort with 80% of claims. The latest is an 8-year olds ear infection was determined by Cigna’s subrogation process to be related to a car accident.