Aetna Insurance Complaint - Charged more than non-insured person because we have insurance
MINNEOLA, FLORIDA -- I had to take my 13 month old son to the emergency room because he fell with the handle of a spatula in his mouth and bled profusely from his nose. Luckily by the time we got there, it stopped bleeding. We stayed 2 hours. The doctor finally arrived and looked in his mouth with a flashlight, and pronounced him fine.
We have private insurance through Aetna because this is $83/month vs. $400 per month to add him at my work and $900 per month to add him at my husband's work.
When we got the bill, the doctor charged $209 to look in his mouth. Fine. Then they added on an "insurance adjustment" of $69 and the Amount to Pay stated $278. I called and asked if the "Doctor Charges" were $209, how could I possibly owe more? They stated that uninsured people would just pay the $209 but insured people pay a fixed fee that is pre-arranged with the insurance companies, and my insurance company's arrangement is $278.
I stated I do not wish to claim this on my insurance - I wish to outright pay the bill as if I had no insurance. They told me that is not possible because I obviously do have insurance and you can't elect after-the-fact not to use your insurance.
This sucks big time! Has anyone ever had this problem? I am afraid if I pay just the $209 it will be turned over to collection and hurt my credit record. Please advise.