Originally posted by: KK
Originally posted by: jiggahertz
Originally posted by: KK
Heres my beef with orthodonist and my cigna insurance. On the insurances chart that lists what they cover and how much they listed all orthodonist at 40%. meaning that we are responsible for 40%. Well we get the bill and it is broken down into individual items. Here an example of one. The evualuation charge is going to be 46 dollars, of the we owe 40, cigna pays 6. I called the cigna and asked how 40% of 46 is 40 dollars. they said that they go off this national average crap and that the national average is 96 dollars, there for they would pay 56 dollars instead of 6 if the cost were 96 dollars. I then asked how'd they come up with 46 on the paper. They said it was what the orthodonist and cigna had agreed to charge. I think its bullsh1t.
That makes negative sense.
I agree. Supposedly our charge is 40% of the national average. The national average for this evaulation is 96 dollars. so we would owe ~40 dollars. Now the orthodonist and cigna has worked out an agreement that the orthodonist would only charge 46 dollars. But since we pay based on the national average and not based upon what the orthodonist charges, we would still owe 40 dollars, therefore cigna only will have to pay 6 dollars. It's a load of crap.
Well if you didnt have Cigna you'd be paying the full $96. Drs and Dentists negotiate prices with insurance companies.
