Question about my insurance declining to pay for a crown and leaving me with a sizable balance
So I’ve been going back and forth with my dentist because out of nowhere they told me I have a $2200 balance, and i absolutely cannot get them to understand my question. Here’s what happened:
My yearly max under my plan was $1000. I had like $6000 worth of dental work done that year, so I paid out of pocket for most of it. I was paying as we went along, and after that 1000 I paid for everything. I was being charged the price for the dental work that they would have charged my insurance, because i was insured I was just over my maximum, so the work wasn’t full price that an uninsured person would have paid which I assume is standard.
And then, my insurance ended up declining to pay for the procedure that that 1000 went to for whatever reason. So I figure that’s now what I’ll owe, right? Because if I paid all costs except that 1000, and they declined the 1000, that’s what’s now missing, right?
But I owe 2200 now. Which I guess is full price for the crown. And I don’t understand why, or how it happens that my max is 1000, they decline the 1000 and I owe double. I’m assuming this 2200 is the full, uninsured price for the crown.
I did lose my insurance by the time this was all going on so I’m wondering if when they realized they had to charge me for the crown they saw I was uninsured now and charged me full price? Or is this standard that if your insurance declines a procedure that you pay full price?
I hope I explained this clearly, because I’m really struggling to communicate about this to my dentist. Thanks!
Edit: for clarity, at the time of the procedure I was insured. By the time all the back and forth about my insurance not covering happened I was no longer insured