My family has Kaiser Permanente HSA Plan with individual deductibles of $2,700 and family of $5,450. We had to get this plan with a monthly premium of $679 per month, no perscription coverage and co-payments of approximately $75 and up because it was the least expensive.
When I call the Product Services Department to get an estimate on a service/procedure I will be having they give you an estimated co-pay. If these figures were ever even close to the actual bill that would be fine but they aren't.
I just got a summary for the last month where I was in great need of physical therapy for my back. It has really helped and I am very thankful. I got the estimated bill. When I called before I started going they told me it would be $40. Now I get a bill showing separate pricing for each thing that was done.
Manual therapy $45 Ice pack $11 Thereaputic exercises $40 Electric Stimulation from $20-$40. No one told me about all these separate charges. I would have iced myself in the waiting room after.
I had and Echo Ultra Sound of the heart where they estimated a charge to me of $375. They are now showing me the charge will be $1493. I have now put my family in terrible debt unknowingly. Yes, I needed the therapy but I would have only had it once a week instead of twice. I waited 16 days before I saw the doctor to begin with because I knew that Kaiser was going to bill me so much.
We can barely cover the monthly premium and pay full price for our perscriptions. I feel so bad that these bills are now going to be coming in. I did check out the cost before I proceeded with the testing my doctor so thought I needed. I have know idea how I could have better found out the price.
Could someone please tell me what I am missing? How do you work this system so you don't end up like this? And try to understand the Summary of Accumulation and then the bill. I have to call Product Services to have them try and explain it to me. Today they told me I would need to call the doctor back to see what exactly what she ordered! Really, I am supposed to figure this out when they can't.
Sincerely disappointed in my Kaiser health insurance.
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