Doctor's Office Scheduled Exam Only If Health Insurance Would Cover It; Wasn't Covered

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We asked her specifically if it would be covered by insurance and she said "it should be."

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Never expect the physician to have a clue about whether something is covered.

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I get a bill in the mail for $2500 saying it wasn't covered by our insurance.

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More detail please. Non covered service? Out of network? Subject to deductible? Out of network is probably the only denial reason that could get you some relief. But negotiating directly with the specialists to your insurers contracted rate is possible.

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She said we could go ahead and schedule the exam now if we wanted to. We asked her specifically if it would be covered by insurance and she said "it should be." We then pressed her about getting definitive answer and she said she would have the front desk check with our insurance company and only schedule it if it was covered.

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I realize she said this, but it likely never happened. And, IMO, it's not their responsibility. It's unrealistic to expect a PCP or OBGYN to verify your coverage at their office, and then verify your coverage at someone elses office before deciding on a plan of care. The specialist's office that provided the U/S should have the same verification and billing procedures as your OB/GYN. They get demographics from your OBGYN, and they handle their own scheduling and verification. Are they the ones billing you the $2500? And why didn't you ask them, the entity providing the service, about the cost?

It is your responsibility to verify coverage with your insurance provider.