I hate medical bills/insurance **vent**

mama2j

I just finished paying off the $2000 I had to pay for my appointments/blood work/d&c....It was the biggest weight having to pay so much for something so terrible, when that money should have been going towards paying all my prenatal appointments and the delivery of my baby.

I just got in the mail a insurance explanation of benefits from my d&c 7 months ago for $958. From some medical equipment company. I haven't received a bill from this company, and hello it was 7 months ago, so I called my insurance to find out what this was for. It was from some machine that they used on my legs for a few min. to make sure I didn't get blood clots. The reason why its so expensive...the medical supply company wasn't  "in-network". So insurance said they'd re submit it saying I had no choice in choosing that provider. Well I just got a letter from them saying that it was billed correctly the first time. Oh and of that $958 only .47 (yes 47 CENTS) goes towards my deductible. I could just cry....what completely crappy timing. I'm going to try and call the medical supply company (who I still have not received a bill from)...but I'm trying to hold off because I really don't want to break down crying on the phone.

I wish there was a law that you needed to submit your claims within a month or two. To get hit with something like this right now is like a huge punch in the gut. 

RedPhoenix625

Oh my goodness, that's awful!  You weren't given a choice!  Ridic.  I wouldn't give in just yet - do you know anybody who works with insurance that may be able to advise you if you have any other recourse to get this covered? 

I'm so sorry.  Like we don't all have enough to deal with.

larivierek

Oh sweetie. That is terrible. 

I flucking hate medical/insurance bills. They have no sensitivity at all. I'd like to just call them up and tell them to jump off a cliff.

I'm so sorry you're dealing with this today!! ((hugs!!) 

Albah

Oh no! I'm so sorry, it is really painful to have to give out money for anything loss related. It's just not fair. <hugs> 

jenn0021

I am so sorry. I don't know what it's like since in Canada everything is covered but I can imagine how much it must suck. Sending you ((hugs)).

ravenclaw1

I hate dealing w/insurance. I met my max out of pocket for the year very early on (I fell, broke my wrist, and had to have surgery), so thankfully I don't have to see bills for all this other crap.

have you talked to them about an out of pocket max?

I really wish people would let you know all this before hand. When you're grieving, and having to go through surgery, the first question on your mind isn't "Well, is all this covered in my network?" lame. 

twotexans

I am so sorry.  I still get a pit in my stomach every time I check the mail.  It's been almost 6 months since my d&c, and I'm still waiting for my anesthesia bill.  It is going to be ugly, since they billed it out of network.  

weaslewam

Oh I HATE insurance for this very reason. I hope that you don't have to pay that extra money out of pocket. That just doesn't make sense. I had the same thing used on my legs and they even said that it probably wasn't necessary because the procedure was so short....

(((HUGS)))

I'm so sorry

pinktrojanbride120107

That's truly awful. I'm so sorry. I hope they can retract it for you!

mama2j

Yes, it was apparently those compression boots. They were apparently on for literally a minute or so after the procedure. Which makes me even more mad that its so expensive. I'm not sure right now who to call first to ask for help with getting this cost either completely covered or at least lessened. The Dr, the surgical center, or the actual equipment rental company. I know I'll get the run around and sometimes I feel like the fight isn't worth it. The emotional energy it will take is too much. I just hate feeling screwed.

lsuhoneybadger

Ugh, I'm so  sorry you are having to deal with this.  Freaking insurance companies and medical bills drive me absolutely crazy!

heather52904

mama2j:

Yes, it was apparently those compression boots. They were apparently on for literally a minute or so after the procedure. Which makes me even more mad that its so expensive. I'm not sure right now who to call first to ask for help with getting this cost either completely covered or at least lessened. The Dr, the surgical center, or the actual equipment rental company. I know I'll get the run around and sometimes I feel like the fight isn't worth it. The emotional energy it will take is too much. I just hate feeling screwed.

 I hate insurance companies and unfortunately have had to deal with them a lot. If you have the explanation of benefits from the insurance company, it should have instructions on how to appeal. Written appeals get you much better results than trying to deal with someone on the phone. Review all of your plan documents, and talk to HR if you need to see more info on what's covered. Check that everything was processed correctly. Generally if you are at an in network hospital, anyone you see there should be covered as in network. Check your plan and cite that language in your written appeal. Getting someone from HR involved can be helpful sometimes as well. Good luck!

TheFutureMrs.O

I would check with your insurance about it being 7 months ago and they are just billing you now. I had my miscarriage in early November. My OBGYN tried to bill my insurance this month for an ultrasound and an office visit from then. My insurance went ahead and denied it with the following explanation "rejection-time limit for filing has expired" If my OBGYN tries to bill me for the full amt. I will be calling them saying I refuse to pay it as it's not my fault they didn't submit the claim when they were supposed it and if they had it would have been covered (at least a tiny bit would be covered) and it's not fair that I have to pay it because of their mistake.

I am also having to deal with my HSG being improperly coded. The facility and the Radiologist office decided to just take it upon themselves to go ahead and change the coding to something other than what my Dr. put. It has been a nightmare and I have to deal with it. I called them the other day and let them have it. I was not in a good mood and they sent me a bill and I just about lost it.