Did I get a free surgery? (US health insurance situation)
Short version: Had an outpatient surgery earlier this year. Have PPO insurance through my job, they say that they didn't pay for it, but I don't have to either, and the hospital hasn't billed me. Should I be wary of this?Longer version: Spot on my scalp was diagnosed as basal cell carcinoma in February. MOHS Surgery happened in March to remove it. (Good news, if you're going to have a bit of skin cancer, I guess this is the kind to have, because it seems to remove easily and they tell me it rarely comes back.) Anyway. Expectant of costs as a result, I stashed $1000 from my income tax refund into a separate savings account, so I would be prepared with whatever bill showed up. The hospital submitted a $10,000 claim to my insurance. Through April and May I watched on my insurance company website as the claim went through various stages of "review," "in process" etc. Ultimately in June it…