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    Testing company stated test was covered by my insurance. Now I owe the company $8,500! Please help! [Louisiana]

    @resjudicata This is the EOB: That's the entirety of the EOB I have. There's no legend for the codes. I understand what you're saying, and I will never make this mistake again now that I know how it works (very different from where I'm from), but currently I need help with the situation I...
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    Testing company stated test was covered by my insurance. Now I owe the company $8,500! Please help! [Louisiana]

    @munyaku Because this is all new to me and it's hard to understand how it works. I still don't entirely understand what a deductible is. Trust me when I say this is absolutely not normal elsewhere. I don't think Americans can appreciate how difficult all of this is to understand when you're a...
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    Testing company stated test was covered by my insurance. Now I owe the company $8,500! Please help! [Louisiana]

    @munyaku So does that mean that instead of $8,500 I actually owe the deductible amount of $1,102.18? Even that is more than I can pay since they said that the cost for the test would be covered, not "part of" or "some of" the cost, but it's a start...
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    Testing company stated test was covered by my insurance. Now I owe the company $8,500! Please help! [Louisiana]

    @munyaku Link 6 is just an overview of the claim. The wording on the rest of the letter contradicts the "Non-covered reason" part. It's very confusing!
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    Testing company stated test was covered by my insurance. Now I owe the company $8,500! Please help! [Louisiana]

    @munyaku The letter I received is not an EOB. It's regarding the appeal filed by the testing company and explaining why the appeal was denied.
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    Testing company stated test was covered by my insurance. Now I owe the company $8,500! Please help! [Louisiana]

    @munyaku I don't usually read EOBs because I get confused and overwhelmed, and this one leaves me even more confused and overwhelmed. Even though the claim notes state I don't owe the money I'm being charged, it also says on top "Amount you may owe $9,603.67". The wording on the letter is...
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    Testing company stated test was covered by my insurance. Now I owe the company $8,500! Please help! [Louisiana]

    @elvz10 No, I believe all of my questions have been answered. Thank you for your help!
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    Testing company stated test was covered by my insurance. Now I owe the company $8,500! Please help! [Louisiana]

    Hi everyone. Throwaway for privacy. I'm not from the US, and 2020 was the first year I had insurance in the country. I got insurance coverage through the Marketplace. In January 2020, I was diagnosed with fibromyalgia after enduring months of incapacitating pain. Fibromyalgia is considered an...
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