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January 2011 Moms
MarSamWhitney
member
How is this fair..Long
MarSamWhitney
member
I went off work at 28 weeks abruptly for bedrest, and my STD pay was a joke at 100 a week. I was also going to the drs 3 times a week. Not to mention I had LO in Jan, so my deductable had to be met again from ins, so it was like I started over. Then I went in the hospital for a few days on valentines day for the left over placenta. I had crappy ins, but it was better than nothing, dont get me wrong.
For awhile I was paying 500 a month towards my debt, and then dropped it down and signed up for a payment plan of 250 a month. I figured when H and I got our taxes back I would pay it off. I wasn't being charged any interest, so I saw no point in hammering it out, other than to get it off my back.
On November 15th I went into the doctors for a procedure, and handed the lady my bill to make my payment of 250. Today, I got a call from a collection agency stating I have not made a payment since Oct, and did I want to make arrangements with them? Um...no, I dont. So I called the billing department and they have two seperate entities for billing, the doctors side and the hospital side. The clerk applied my last months payment to the wrong side, so I went delinquent. I had a 250 dollar credit sitting there since 11/15!? WTF!?!? I argued and argued with the lady, asked for a supervisor, and was getting nowhere.
So they said I could pay in full with them, I could not go back to my payment plan since I went delinquent, and there was nothing they could do about it. If I did pay in full, they would hold it back from collections and it would never appear on my credit report. Or, I could let it be with the collection agency and deal with them.
So..not one of my finer moments, but I started to sob. I told her I would pay it in full. I can't let that go on my credit report, as H's was destroyed from his divorce. The lady took my payment, after asking me to repeat it 3 times, and I paid off the 5800 dollars.
Then, to add to me being mortified, the lady called back like 10 minutes later to apoligze if she was being harsh with me and if I ever needed someone to talk to, I could talk to her.
I am not even pms'ing...I dont know what came over me.
So- dear Whitney, you are one expensive baby, costing your mother and father almost 10 grand. Dear bcbs thanks for the craptastic coverage. While its better than nothing, it still stunk to get all those bills.
xoxo,
Sobbing in Michigan.
lol
This discussion has been closed.
Re: How is this fair..Long
Ouch. Ouch. Ouch. See, this is why there is something very wrong and broken with our system. I am sorry.
I was halfway through my pregnancy when I was laid off because the company I worked for went under. Company and plan too small to have to offer COBRA. Not eligible for state continuation for the same reason. My old boss, crazy as he is, was a freaking SAINT and kept the plan going with just he and I on it (you need two people for a group plan) and paid my premiums out of his own pocket. We are talking $1900 a month, as we were max-rated because of a small census with lots of pre-existing conditions (his). He made it a condition of my separation that he would cover this for me, and thank GOD for him. I still paid my deductible, but without staying on this plan I would have had to pay out of pocket for the pregnancy as Medicaid is based on your prior year's income, so we didn't qualify, and no one would cover the pregnancy as a pre-existing condition on an individual plan. Like you, I was one of the people falling throught the cracks. It's really messed up, and anyone who says it isn't, hasn't sat where we have.
Oh jeez Doodle. Thank goodness for your boss. What a pain that would have been. Its so very frustrating when you get hit left and right.
A funny story, but not so much. On 11/.15 I had very casusally mentioned to my OB about my hemroid I got during labor. I asked should I see an internest, or what do I do...ive never had one before and its painful. He looked at it for me, then wrote down a phone number to someone at the hospital who will look at it and possible remove it.
As I was checking out, what does my paperwork say? "Hemroid consultaion."
sonofabitch. 5 dollars says I get charged some sort of percentage for that 5 second consultation. lol
I can just never get ahead. When its quiet, the car will break down, or like last week the ceiling is leaking. lol.
Ok, whine-fest over. I hate to be a baby, I need to get this out of my system. I prefer to be a glass half full type of gal.
Doodle, can you imagine what you would have paid for the birth if you didnt have ins? Oh lord...
You definitley got lucky. Its definitley not fair how they base everything. I have felt this way about financial aid too. I'm sorry that is ridiculus that they would not put you on the state medical ins. Its not like you were asking for a free ride, its just until you got back on your feet for petes sake, and for a baby nontheless! So stupid. Yet some how there are tons of people that seem to figure out how to milk it just fine.
How about a smiley story to cheer you up?
We would definitely not have children right now if it weren't for H's insurance. Every time I hear a story like this I thank my lucky stars that the military does at least one thing right.