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TexLaw
TexLaw, Attorney
Category: Personal Injury Law
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Experience:  Lead Personal Injury Trial Lawyer
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can a insurance company send you a bill with surgery if it

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can a insurance company send you a bill with surgery if it was actually a heel fracture?
Hi,

Thank you for your question.

If your son did not receive surgery, then it should not be counted as a surgery. An examination, x-ray and treatment with a foot support is not surgery.

That being the case, the treatment may fall under a non-routine medical treatment which means that your son would be required to pay if he has not yet met his yearly deductible. The deductible is an amount an insured is required to pay out of pocket (usually between $500 to $5000) before the insurance company becomes liable for payments. This is done where the treatment sought is for non-routine issues (i.e., injuries) as opposed to regular medical conditions or routine illnesses.

Before going further in disputing this bill, your son should check the medical insurance policy language to see what the yearly deductible amount is and determine whether it has been met already or not.

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