@marcus7676 - yees- t shirts with a cardigan is basically my wardrobe right now because I refuse to buy more winter maternity stuff.
krashke - right there with you. I had to call last week because I got a $46 bill from COLLECTIONS...I had just paid a $46 bill within the week of receiving it (all for well visits for my daughter so I'm not convinced I owe them anyway...). Turns out they used the wrong date of service which sent it to collections...THEN I find out there is an outstanding balance of $112...a bill which I never received...for yet another well visit. They looked it up and the medical coder marked it wrong because when they read the charts and the doc asked how DD was doing I said she has a little cough/congestion but otherwise great. Seriously was just a side comment at her 18 month check up. Not one extra thing was done to check her out or look into it and they tried to bill $112 for that....super.
krashke - that is crazy! My DH is 6'4" and his joints hurt all of the time (hereditary) - he would be FUMING if that happened to him.
becca_123 - I would love to be able to do a quick google diagnosis of stuff and bill for it.
2589 - dry spots...seriously. That is about as bad as saying I sneezed yesterday and getting charged for a sick visit.
LaceyBee522 - I'd pay for that. With DD1 I ended up being on 3 insurance policies at the time of birth and a year later the billing still wasn't figured out. I'd be lying if I said I'm slightly nervous there are going to find secrett "unpaid" charges from her when I have this one. It was to the point where one carrier had to call the primary carrier and the provider on a 3 way call and tell them straight up they were breaking the law by billing the way they did.
WTF is with all this back-and-forth with insurance companies in the US? Doesn't all this extra admin cost *them* money too? They have to check over every single claim, deal with confused customers, get health care providers on the line to confirm (as per @sabby2 ), and apparently all that legwork still results in inconsistent decision-making. That costs everyone a lot of money. Do they not have rules that are laid out in advance about what is covered and what isn't? It just boggles my mind and makes me genuinely angry to read about the time some of your spend trying to figure insurance details out, only to have it mischarged in the end anyway. @krashke @kmurdock925 @doxiemoxie212 ...it really sucks and I feel for you.My insurance company in the Netherlands literally has ALL the details you could ever want on their website. You search it and can immediately see, based on your package, what is covered and what is not. I have never had to call them about anything, though they are available by phone, email and chat for questions. I'm guessing they can afford this friendly service because people don't have to contact them very often since the system is simple and straightforward??!! Also, they don't want customers to switch to a different insurance provider (which we have the opportunity to do yearly), so they're super nice.FWIW I pay 120 euros/month for my insurance + my son's. The most I'd ever have to pay out of pocket per year is 385 euros. I might pay 10 euros to supplement a visit to a specialist here or 200 for a wisdom tooth removal, but the amount I'm expected by society to pony up for healthcare services is capped at 385 euros (plus my monthly premium) per year. Society picks up the rest. Also, the budget is balanced so we're not bankrupting the country with this system. It *is* possible, though admittedly it's also about society's priorities. I'm simplifying it, but not really that much. More info here, for anyone curious.But really. WTF.