请问一年一次的体检保险的问题

t
thymesu
楼主 (北美华人网)
近几年保险越来越贵,每年交那么多钱,还有几千的DEDUCTIBLE,没想到做个体检还要交钱,请问这个正常吗?
我已经连续三年保险不付体检验血费用了,这次FILE了APPEAL,还是不付,说诊所报的CODE不是preventive,然而诊所说他们是报的年检,一直就是用这个CODE。不管是我还是诊所跟他们谈,都不告诉应该用什么CODE,诊所那边说保险说我验血是LABORATORY SERVICES,不是PREVENTIVE SERVICE,我真是不明白体检不验血叫体检吗?我的保险公司是united health care。
我诊所说用的ANNUAL PHYSICAL EXAM (Z00.00) 和ADULT HYPOTHYROIDISM (E03.9) ,但诊所帐单上写的CODE是80050(general hlth panel),84439(Thyroxine Fr), 81003(Urnis dip stick.tablet) 和83036(hgb glycosylated)
CHATGPT给了一点信息,但是也不能回答什么CODE才是对的,,请问有人有相同经历吗?到底是我理解错了还是哪个环节出了问题。多谢。
For general health panel tests, CPT code 80050 is typically used. This code includes a comprehensive metabolic panel (CMP), a complete blood count (CBC), and a thyroid stimulating hormone (TSH) test. However, it is generally considered a diagnostic code rather than a preventive code.
If you''re looking for preventive codes, it''s important to note that preventive services are typically defined by specific guidelines set by insurers like UnitedHealthcare. For example, preventive visits might include services such as annual physical exams, screenings for various conditions, and vaccinations. Specific preventive care services and their corresponding codes can be found in UnitedHealthcare''s preventive care documentation, which lists services covered without cost-sharing under the Affordable Care Act (ACA)​ (UHCprovider)​​ (MedicalInsuranceBilling)​​ (UHCprovider)​. If there is still confusion, it might be helpful to consult with your healthcare provider or their billing department, as they can often provide clarity on which codes should be used for preventive services. Additionally, referring to UnitedHealthcare''s Preventive Care Services guide can also be useful.
CPT code 84443, which measures Thyroid-Stimulating Hormone (TSH), is typically categorized as a diagnostic code rather than a preventive code. This code is used to diagnose and manage thyroid disorders and is generally not considered part of routine preventive screening covered without cost-sharing​ (AAPC)​​ (MedicalInsuranceBilling)​. To find the correct preventive codes, you can refer to resources provided by UnitedHealthcare or consult coding guidelines from reliable sources like the American Medical Association (AMA) or the American Academy of Professional Coders (AAPC). For detailed information on preventive codes, you may review UnitedHealthcare''s Preventive Care Services documentation, which lists services and their corresponding codes that are considered preventive under their plans​ (UHCprovider)​.
q
qyqc
体检的费用就是医生看你的费用,验血就是另外的服务,你要看验血的copay是多少。 不是每个医生年检都开验血单,回答你的问题体检不验血确实还是体检啊。
G
Ghmw
只能push保险公司更改code,表明这些都是年检里的项目,由他们去和诊所/实验室协调。
s
saynomore
很多美国年检,就是没有验血的,就是医生给听听心肺,护士量个血压就完了。
G
GoNoGo
去政府网站complain
g
graceshcn
我每年的体检自己都要付一点钱的,打电话问过保险公司跟我说是啥deductible 到那个数目了才100%cover,我觉得是胡扯但是没办法只能付,还有就是我的保险血检里查VD是不cover的反正比较坑也没啥办法,换别的保险每个月的费用更高
w
waer
不确信你的保险是哪一种,我的保险非常一般,但是年检还是查了很多项目,也发现了问题,但是保险基本都报了
t
thymesu
qyqc 发表于 2024-06-27 01:11
体检的费用就是医生看你的费用,验血就是另外的服务,你要看验血的copay是多少。 不是每个医生年检都开验血单,回答你的问题体检不验血确实还是体检啊。

天哪,居然体检不验血验尿,这边医生那什么都看不出呀,太无语了。
t
thymesu
Ghmw 发表于 2024-06-27 01:26
只能push保险公司更改code,表明这些都是年检里的项目,由他们去和诊所/实验室协调。

我和诊所分别打电话给保险公司了,那边就是死咬不是preventive service,也不告诉应该用什么code才cover。
b
bye2020
看了一下我的账单,z0000是diagnosis code, 后边的那些8xxxx是procedure code,保险都报了。有几次没用z0000,几十块钱我也自己hsa付了,懒得打很多电话。
t
thymesu
bye2020 发表于 2024-06-27 08:48
看了一下我的账单,z0000是diagnosis code, 后边的那些8xxxx是procedure code,保险都报了。有几次没用z0000,几十块钱我也自己hsa付了,懒得打很多电话。

谢谢信息,我去年也付了,今年实在是不爽,每年交一堆保费,连个体检都不管,太无语了。
h
hijklmn
thymesu 发表于 2024-06-27 08:35
天哪,居然体检不验血验尿,这边医生那什么都看不出呀,太无语了。

我也以为这些都是年检的一部分,原来不是啊。。。