找保险公司，因为没有麻醉师是在保险公司的网络上，所以这个费用最后应该保险公司和麻醉协商后付。如果保险公司不管，google where to file complain for medical insurance company. There is government agency you can file complaints
保险公司即使同意按in network 处理，楼主还是需要自费出很多， 因为保险公司不能要求out of network 的医生接受in-network 价格，而保险最大的作用是议价。 如果协议价是500，out of network 医生账单是2000， 楼主需自费1500。
tiffany2013 发表于 1/21/2020 1:37:59 PM [/url]
Colonoscopy 大多数情况下 应该完全 cover。
”The Affordable Care Act (ACA) requires both private insurers and Medicare to cover the costs of colorectal cancer screening tests, because these tests are recommended by the United States Preventive Services Task Force (USPSTF). The law stipulates that there should be no out-of-pocket costs for patients, such as co-pays or deductibles, for these screening tests. But the definition of a "screening" test can sometimes be confusing, as discussed below.
The Affordable Care Act requires health plans that started on or after September 23, 2010 to cover colorectal cancer screening tests, which includes a range of test options. In most cases there should be no out-of-pocket costs for these tests, such as co-pays or deductibles.”
请问我要怎么argue这个账单？我是在IN-NETWORK的site，IN-NETWORK的肠胃医生那里做的肠镜，做之前还在保险公司网站做了COST ESTIMATE，本以为万无一失了，谁知道麻醉是单独收费的，做之前还看了很多在美国做肠胃镜的经验帖，都没人提麻醉账单的事。
我后来又在网上看到说这种在IN-NETWORK的site和医生那里做的procedure，在自己无法选择麻醉师的情况下（而且我是根本知道麻醉是单独bill的）是可以找保险公司argue，走IN-NETWORK的rate的，不知道这个怎么操作。是应该联系保险公司，还是肠胃医生还是公司负责BENIFIT的HR？
PS.我有两个同事在同一个地方同一个医生做的同样的procedure，收到同一个麻醉师账单，金额都是一样的，而且也显示的OUT-OF-NETWORK，但保险给COVER了。
你在哪个州？加州和ny啥的 out of network billing 你不负责，保险公司的事
麻醉医生赚多少钱你先了解下。
re
保险公司即使同意按in network 处理，楼主还是需要自费出很多， 因为保险公司不能要求out of network 的医生接受in-network 价格，而保险最大的作用是议价。 如果协议价是500，out of network 医生账单是2000， 楼主需自费1500。
Colonoscopy 大多数情况下 应该完全 cover。
”The Affordable Care Act (ACA) requires both private insurers and Medicare to cover the costs of colorectal cancer screening tests, because these tests are recommended by the United States Preventive Services Task Force (USPSTF). The law stipulates that there should be no out-of-pocket costs for patients, such as co-pays or deductibles, for these screening tests. But the definition of a "screening" test can sometimes be confusing, as discussed below.
The Affordable Care Act requires health plans that started on or after September 23, 2010 to cover colorectal cancer screening tests, which includes a range of test options. In most cases there should be no out-of-pocket costs for these tests, such as co-pays or deductibles.”
https://www.cancer.org/cancer/colon-rectal-cancer/detection-diagnosis-staging/screening-coverage-laws.html
我就是麻醉科医生啊
没有你想像的多，colonoscopy麻醉也就是5-7个units， private insurance 也就pay 40-100$/units
现在好多都被麻醉公司承包了，他们charge起来心狠手辣，钱都进了投资者腰包，麻醉医生没拿到多少
有些病人坏的很，把保险公司的钱咪了，然后赖账医生的
华人很少这么干，虽然华人偷吃福利的不少，不过欠医生的钱还是还得
有些美国人的无耻，哎
你理解错了吧。保险付钱给亲戚，亲戚马上付钱给了麻醉师。但麻醉师收款和账单是不同部门，自己内部出错，收到付款后还是继续寄账单。
很少的地方事这样的，那些surgical center要注意，还要看州法律
纽约加州是不行的
大多数麻醉科医生在医院里干，医院里啥人来做手术你都得做，现在医院病人medicaid那么多，medicaid对麻醉医生得reimbursement极低极低
我自己想想，如果当初再选择，我不愿做麻醉科医生，压力大，经常加班，工资也一般
给你机会重新选择的话，你会选择做哪科的医生呢？
我不是说你亲戚的情况