My question involves a consumer law issue in the State of: NJ
in general: I thought I heard that when you are given a legal doc to sign minutes before going on a ride / attraction or similar situation, that isn't enforcable? Always? Sometimes?
Is there a name for that?
Specifically: I was given a full page legal document at a doctor's office when I arrived for a medical procedure. The title is Consent for treatment, payment and health care operations including admission and medical treatment authorization. It has 6 paragraphs. the 6th paragraph basically says 'this will be an outpatient service in hospital setting'. There was a spot there they highlighted for me to initial, which I did. That paragraph changed the way they billed the procedure from something that would have been covered by my insurance 100% (done in an doctor's office) vs. something I owe the doctor and hospital a total of $900.
My wife knows / understands the insurance coverage (it's her policy). I signed it without comprehending the implications, signing it with the time, just 7 minutes before the procedure.
When the doctor recommended the procedure 2 weeks earlier in an office visit in that same office he didn't mention how it would be billed. The person making the appointment didn't mention either. it was only on that document given to me when I arrived for the test.
None of the medical forms or their website talk about the hospital's involvement (the office says the hospital owns the test equipment so that makes it an outpatient hospital procedure).
Am I wrong (legally responsible for the bill) for not stopping to consult with an attorney (and my wife) on the documents content, postponing the test
Or are they wrong for popping this on me at the time of the procedure?
I guess I need to go to small claims court on this?
Any thoughts / advice? I and my wife spoke to the office several times on this and there's no 'negotiating / cutting a deal / lowering the cost'.