NEWARK, NEW JERSEY -- I had health insurance with Horizon Blue Cross Blue Shield of New Jersey (Horizon).
In network outpatient lab work was provided by Laboratory Corporation of America Holdings (Labcorp).
Due to the limitations of the policy, there was a limit of $500.00 per year for this benefit.
During October 2010, I visited my primary doctor, blood was drawn and sent to Labcorp. Horizon was billed for four (4) tests - two (2) were paid in full, one was paid partially and the last was not paid. The Explanation of Benefits sent to me did not show the remaining balance for out patient testing.
For the partially paid test, Horizon was billed at $104.00, allowed amount $20.21, paid $1.85. The last test was billed at $66.00, allowed amount $11.68, not paid.
When this first started, I offered to pay the unpaid contract amounts of $30.04 - not accepted.
I see no reason why I should pay more than five times the contract amount for a test. Also, I have not worked since January 2008 and can't afford to pay $66.00.
If you have Horizon for health insurance or any other health insurance that uses Labcorp as the exclusive out patient testing service, then you should look for new insurance or if employer provided ask for new insurance.
If enough of us stop using Labcorp and the insurance companies that cater to this company we could put them out of business.
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I was in there plan through my company as a supplement in 2009 and it was a PPO but they put me in an HMO and when I figured this out in June 2009 they told me I was going to out of net work hospitals and doctors. I verified before I even signed but but they made the error and have lied to me, passed me to another claims processor who wasn't a Supervisor, they won't send me corrected EOB's for 2009, the Area Manager won't return calls. I have the US Dept of Labor involved and they don't reply to their calls either. As far as I'm concerned they need to be investigated by the Federal Government for non compliance of paying claims. I was told by someone that worked for them at one time that at the end of the day if they haven't finished the claims, they shred them so they deny to the patient/client that they never received they. We have caught them with a done right light but they are crooks, plain and simple and I paid out $13,000 in 2009, a little over $5,000 was in network and not doctors and as of 7/26/10 they still tell me that I haven't reached the out of pocket maximum because they were miss processing claims and only applying a certain percentage to my out of pocket which is illegal. What ever don't sign up with these people they are crooks and you will resent it