Just about a week ago, my youngest child, Hadley, had surgery to remove her tonsils and adenoids. The day before surgery, the doctor's office called me to collect $511.25, which was our patient responsibility. The woman from billing was taken back when I asked "Is everyone in Anthem's network?" She even chuckled like, "Will it change anything if someone is?"

Truthfully, it probably wouldn't have changed our mind about getting the surgery, but I certainly would have negotiated a price ahead of time if they were. I know all too well about surprise billing and wanted to make sure I'm not being charged for out-of-network services at an in-network facility.

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