Hospital Billing and Insurance Payment Questions - CoInsurance, Deductibles, OOP Maximum, Potential 3rd Party Overbilling
I'll do my best to make this question concise -- I had surgery on May 12, 2026. Bilateral mastectomy with lymph node removal due to BRCA 2 mutation only, no cancer identified previously on either mammogram or MRI.
Because I was the first case of the day on May 12th, I was told I needed to have the lymphoscintigraphy part done the afternoon before the surgery on May 11th.
I was asked to prepay certain amounts by both the hospital and the surgery department itself (to "ensure my place on the surgery schedule"), which I did, knowing those amounts were more than my deductible and OOP maximum and I would just receive a refund after everything worked its way through billing and insurance.
About a month ago I received a refund from the hospital and separate bills from both the pathology provider who looked at my lymph nodes, etc during surgery and US Anesthesia. I paid both of those bills assuming that because I received the refund from the hospital, everything was settled with insurance and that I truly owed these amounts.
As I started to dig into the EOBs from United Healthcare and the bills the hospital provided in MyChart, the numbers don't quite add up and I have a few questions.
- For the lymphoscintigraphy bill, the hospital billing lists this as one simple entry under the service date of May 11.
UHC has this same service broken out under a few different EOBs:
The pharmacy \"General Classification\" charge
My issue here is the first UHC EOB---the provider billed $5045, but the allowed amount is $8052.30, the amount off which they're basing my 10 percent coinsurance owed amount of $805.23. The claim codes attached to those lines -- ZE says "we have reviewed a claim that had been previously processed. You may owe your health care professional a deductible, copay, or coinsurance." IK says "the unit(s) for this service is within the typical frequency per day. We have based reimbursement on the billed units." 0H says "We received more information and reprocessed this claim. The negative dollar amount shown is the amount previously paid and does not indicate an overpayment." Why would the allowed amount for the procedure ever exceed the billed amount? UHC obviously clawed back some of their payment with their adjustment line but my coinsurance amount is still based off the old "plan allowed amount" Should the "plan allowed" amount have also been adjusted, therefore lowering my coinsurance amount?
I believe this 4th EOB helps partially answer this question as this appears to be the same $5045 pharmacy charge divided by 2 (I assume 1 injection of dye for each boob?) However billed this way, the HH claim code on the second line means "this service has been denied. The number of units billed is more than the maximum allowed per day." Which was the correct way for the hospital to bill insurance? It appears as if split into 2 charges, UHC only allows and pays for 1 charge. But if billed as a single charge UHC allows more and pays more than billed and I get a higher coinsurance charge?
- For the surgery bill itself (including pathology, anesthesia, PACU, overnight observation stay, etc), the nice neat hospital bill on MyChart and the EOBs from UHC make it difficult to parse out what is what, however, you can get the gist that I paid the $800+ the insurance didn't and have no outstanding balance. However, I received bills from both US Anesthesia Partners and the pathology provider separately. If I paid all remaining responsibility to the hospital, should I have paid these other bills or should these providers have gotten their money from what I paid the hospital? From what I can see on UHC both the pathology provider and US Anesthesia partners are in network to me. I have called the hospital to ask but all they said was "we don't handle their billing."
Or is it that they asked me to prepay $3132.22 on May 8th, They took $2006.13 as part of the lymphoscintigraphy done May 11, they took $849.33 for themselves after the surgery May 12th and refunded me $276.76 on July 21st to cover the amounts I owed the pathologist and US Anesthesia?
Final question: Should the lymphoscintigraphy have been covered by insurance entirely? I've read a couple different things --- sometimes it isn't covered if you don't have a cancer diagnosis (which I don't) and sometimes it is a problem getting it covered if it was done a different day than the surgery itself since usually those things are done same day. I can see that I was billed during the surgery for CPT code 38900 "Intraop Sentinel Lymph Node ID W/ Dye Injection." The lymphoscintigraphy done May 11 was billed with CPT code 78195.
If anyone has read this far, thank you so much
TLDR: if I have questions between EOBs from UHC and the hospital billing itself, who should I be contacting first? The hospital or UHC? I know I can ask the hospital for an itemized bill but without being a coder how would I even know what's appropriate to bill for these procedures or if different diagnosis codes or modifiers would help? It doesn't appear to me that I'm being billed for things not received, just not sure if I: was billed correctly for what was done and if I should have paid the direct bills from pathology and US Anesthesia.