生孩子费用问题, OUT OF NETWORK

老婆生孩子时,要打麻药,
当时整个楼层就一个麻醉师,叫了半天才来,(注意, 是很好的医院.)
打了一针,贴好, 过了半小时,不麻, 说时间不到,又不麻,
来检查,发现针掉了,赶紧再打一针,帖好,
后又加药, 加错了, 呕吐, 再加别的药,反转这个药,就好了.
GOD BLESS!生下很健康的孩子.
出院时在电梯里还看见麻醉师,说再见.

不久收到帐单,$3100,(两针),麻醉师的. 才知道他是OUT OF NETWORK.
保险只付900, 说是当地流行价.
把保险寄来的支票转给DOCTOR OFFICE.说我们要付剩下的.
后来医生也自己APPEAL 给我们的保险, 结果不知.
现在按时寄来帐单.

问题是,
-我们当时也没法选麻醉,就一个人在那,这事也不能等,我们确实也没问,很大的医院,跟本没多想.
-这OUT OF NETWORK的,都自己负剩下的吗?
-我们都没追究他的错误,你说这多打的一针,我们多受罪,还得自己交钱?
-怎么处理比叫好? 也太冤了.

所有跟帖： 

• out of network 的部分，查你的保险policy. 估计没回旋余地。 -如尘- ♀ (182 bytes) () 11/24/2007 postreply 19:26:13

• i think the 麻醉师 knows u have to use him when deliver, -questionguy- ♂ (76 bytes) () 11/24/2007 postreply 21:24:42

• if the 麻醉师 is hired by the hospital, he is in network for sure -如尘- ♀ (209 bytes) () 11/25/2007 postreply 11:24:48

• Sounds like you have to pay -ireneday- ♀ (594 bytes) () 11/24/2007 postreply 19:52:23

• we did not schedule the 麻醉师, becasue we thought everthign -questionguy- ♂ (216 bytes) () 11/24/2007 postreply 21:28:30

• talk to the office of 麻醉师 -N.- ♀ (452 bytes) () 11/24/2007 postreply 20:57:54

• thanks for all the replies -questionguy- ♂ (579 bytes) () 11/24/2007 postreply 21:23:13

• Talk to insurance company and say you have no choice -4yrold- ♀ (307 bytes) () 11/27/2007 postreply 13:44:19

• talk to your company's HR -wxc2008- ♀ (0 bytes) () 11/27/2007 postreply 10:37:24