u/madnorr

Currently have ~$1,400 on my CC from this month of spending. My statement from 5/1 says: New Balance $1,786.29, min payment due $40, payment due 5/26/26. I paid $2,201.84 on May 5th (I usually just pay the big number on my online portal because that makes the most sense to me, sometimes before my overall "due date", sometimes a few days after). But when I went to make my payment this month (second payment this month I guess), it says $0 min due and $0 statement balance. Does this mean I have until next month to pay?

I am kind of at a loss for what to do here, so sorry if this isn't the right place to post this. About a year ago, my IUD was mal-positioned and needed to be removed and a new one inserted. When I called my insurance (med mutual), they told me it was covered at 80% blah blah blah. Fast forward to getting the procedure, next thing I know I have a $4,000 bill; turns out anything related to an IUD is not covered by my insurance. Everyone involved was very confused, as supposedly all ultrasounds, removals, and other procedures related to contraception are 100% free under the ACA. But apparently our policy is grand-fathered in or something. I was able to appeal it, since they did originally tell me it was covered, and I only had to pay $600 something.

Flash forward to a month ago, my doctor once again told me my new IUD was mal-positioned and she attempted to remove it in office before I could think straight about what to do/think about my insurance not covering. She was unsuccessful, and I decided to go to a community health clinic to have it removed without using my insurance (haven't had it removed yet). Today, I was once again shocked to see that I was billed by the hospital for IUD removal (notes confirm it was not successfully removed, but it is still billed in full), and since it was not covered by insurance, I am stuck with a $2,000 bill. I tried to have billing code reviewed by the hospital, but they said, "Upon further review, it was determined that the coding used was correct based on the physicians documentation. As a result, the coding guidelines do not support a change. Please contact your insurance company directly regarding how to appeal the benefit level that has been applied to this service if you wish to pursue this matter further."

I am at a complete loss for what to do, I do not think it is right that I was coded an IUD removal when it was not successful, I do not think it is right that my insurance won't even cover having something removed from my body when it is in danger of injuring me, and I feel very frustrated that I agreed to have her try to remove it when I was in the middle of an annual exam (LEGS SPREAD OPEN nonetheless) and did not have time to really think through the decision I was making in regard to insurance.

It seems that my only avenue is the insurance company, and I know they are going to say that it is not covered... I know $2,000 is not a lot, but it just feels so wrong that I am being charged this. Is there anything I can do? Is this coding correct? Attached procedure recap, itemized bill, and EOB.

https://preview.redd.it/s4sfsnhar5zg1.png?width=610&format=png&auto=webp&s=5031854aae967313f4af9169e5944a8465974537

https://preview.redd.it/j3f6wnhar5zg1.png?width=826&format=png&auto=webp&s=bb4e79134999ae3f16f625f901bef488a83faa18

https://preview.redd.it/9z5stnhar5zg1.png?width=1208&format=png&auto=webp&s=fa943a58d57b23239124e53f8474ab69a34ecb67

I am kind of at a loss for what to do here, so sorry if this isn't the right place to post this. About a year ago, my IUD was mal-positioned and needed to be removed and a new one inserted. When I called my insurance (med mutual), they told me it was covered at 80% blah blah blah. Fast forward to getting the procedure, next thing I know I have a $4,000 bill; turns out anything related to an IUD is not covered by my insurance. Everyone involved was very confused, as supposedly all ultrasounds, removals, and other procedures related to contraception are 100% free under the ACA. But apparently our policy is grand-fathered in or something. I was able to appeal it, since they did originally tell me it was covered, and I only had to pay $600 something.

Flash forward to a month ago, my doctor once again told me my new IUD was mal-positioned and she attempted to remove it in office before I could think straight about what to do/think about my insurance not covering. She was unsuccessful, and I decided to go to a community health clinic to have it removed without using my insurance (haven't had it removed yet). Today, I was once again shocked to see that I was billed by the hospital for IUD removal (notes confirm it was not successfully removed, but it is still billed in full), and since it was not covered by insurance, I am stuck with a $2,000 bill. I tried to have billing code reviewed by the hospital, but they said, "Upon further review, it was determined that the coding used was correct based on the physicians documentation. As a result, the coding guidelines do not support a change. Please contact your insurance company directly regarding how to appeal the benefit level that has been applied to this service if you wish to pursue this matter further."

I am at a complete loss for what to do, I do not think it is right that I was coded an IUD removal when it was not successful, I do not think it is right that my insurance won't even cover having something removed from my body when it is in danger of injuring me, and I feel very frustrated that I agreed to have her try to remove it when I was in the middle of an annual exam (LEGS SPREAD OPEN nonetheless) and did not have time to really think through the decision I was making in regard to insurance.

It seems that my only avenue is the insurance company, and I know they are going to say that it is not covered...? I know $2,000 is not a lot, but it just feels so wrong that I am being charged this. I don't know what to do.

I am kind of at a loss for what to do here, so sorry if this isn't the right place to post this. About a year ago, my IUD was mal-positioned and needed to be removed and a new one inserted. When I called my insurance (med mutual), they told me it was covered at 80% blah blah blah. Fast forward to getting the procedure, next thing I know I have a $4,000 bill; turns out anything related to an IUD is not covered by my insurance. Everyone involved was very confused, as supposedly all ultrasounds, removals, and other procedures related to contraception are 100% free under the ACA. But apparently our policy is grand-fathered in or something. I was able to appeal it, since they did originally tell me it was covered, and I only had to pay $600 something.

Flash forward to a month ago, my doctor once again told me my new IUD was mal-positioned and she attempted to remove it in office before I could think straight about what to do/think about my insurance not covering. She was unsuccessful, and I decided to go to a community health clinic to have it removed without using my insurance (haven't had it removed yet). Today, I was once again shocked to see that I was billed by the hospital for IUD removal (notes confirm it was not successfully removed, but it is still billed in full), and since it was not covered by insurance, I am stuck with a $2,000 bill. I tried to have billing code reviewed by the hospital, but they said, "Upon further review, it was determined that the coding used was correct based on the physicians documentation. As a result, the coding guidelines do not support a change. Please contact your insurance company directly regarding how to appeal the benefit level that has been applied to this service if you wish to pursue this matter further."

I am at a complete loss for what to do, I do not think it is right that I was coded an IUD removal when it was not successful, I do not think it is right that my insurance won't even cover having something removed from my body when it is in danger of injuring me, and I feel very frustrated that I agreed to have her try to remove it when I was in the middle of an annual exam (LEGS SPREAD OPEN nonetheless) and did not have time to really think through the decision I was making in regard to insurance.

It seems that my only avenue is the insurance company, and I know they are going to say that it is not covered... I know $2,000 is not a lot, but it just feels so wrong that I am being charged this. Is there anything I can do?