I'm a wreck today

musicteach78 · May 2012

My husband is out of town for training and I can't think of anyone to talk to about this but you ladies...please bear with me - I just want to type and get this out...

I was doing so well (at least I thought so) until all the medical bills and insurance paperwork started rolling in this week. I'm a teacher so I do have pretty great insurance and I am thankful for that. But, a lot of the ER visit, D&C and misc. other things from my nightmare on 4/26 are not being covered...to the tune of thousands of $$$. Plus, as a teacher I don't get paid in summer.

I can't help but feeling like I'd have no problem struggling to make these payments if I was actually pregnant...but this just adds insult to injury... and now I'm sad and alone for the next 3 days.

AngnShaun · May 2012

It cost more for me to miscarry last april than it would have if i had gone on to have a successful pregnancy and have a baby... it sucks {{hugs}}

musicteach78 · May 2012

AngnShaun:
It cost more for me to miscarry last april than it would have if i had gone on to have a successful pregnancy and have a baby... it sucks {{hugs}}

I think this is a huge part of it. That realization hurts so badly....I feel like no one understands it better than you ladies.

sammer818 · May 2012

I got bills for 4 months after my m/c. And I ended up having another loss in that time so I was getting a double whammy for awhile. It just seemed like such a waste of money to me - not only was I "losing" all that money, but I didn't even have a baby to show for it. *HUGS*

Mrs.E.07 · May 2012

I'm so sorry, that must be so hard. ((hugs))

BootsOrHearts · May 2012

That is hard to re-live everything through the claims and bills. I'm sorry.

Take some time before you decide to tackle it, but when you're ready, it is worth calling about the ones that were denied or partially denied to figure out why and potentially appeal them. It's just some paperwork to appeal, so it's worth trying. It's also worth talking to the billing office for your OB practice or hospital and seeing if they have any insights about how to wring more money out of the insurance company. And if they are still denying things you think should be paid, consider filing a complaint with your state department of insurance.

I work for an insurance company if you need any practical help sorting through it all, feel free to PM me!

funny bunny · May 2012

*Hugs*

I am not sure how I would handle it if I also had to pay for all these horrible things I had to go through through both MC's.

DaisyZH · May 2012

I am really sorry to hear that, (( Hugs )). I have heard that when you receive major medical bills you should request an itemized bill (you may already have that in hand) so that you can double check you are not being charged for anything you did not receive. The hospital may be able to help you with a payment plan as well.

I'm really sorry that you have to deal with this on top of your loss. It really is not fair.

Mmm79 · May 2012

Are you sure the services are not covered? Sometimes hospitals make billing mistakes, or send a bill to you when it should go to the provider. I would double check everything with your insurance company and not pay anything until you do so. Enlist your OB to help if you need to (to demonstrate the medical necessity of these procedures).

That being said, I know this is a giant pain in the a$$ and not at all something you want to be dealing with. It's awful that on top of your loss, you now have to deal with this.

musicteach78 · May 2012

nola78:
I'm sorry you're going through this

I just received my first post-birth (loss) insurance bill -- $20,000 for a baby that didn't live. It sucks and it makes me angry. My insurance will cover a large chunk of that, but DH and I will still meet our out of pocket maximum for this year. We knew we would, but not having anything to show for it but sadness and heartache makes it so much worse.

I'm right there with you - my thoughts go out to you as well!

musicteach78 · May 2012

BootsOrHearts:
That is hard to re-live everything through the claims and bills. I'm sorry.
Take some time before you decide to tackle it, but when you're ready, it is worth calling about the ones that were denied or partially denied to figure out why and potentially appeal them. It's just some paperwork to appeal, so it's worth trying. It's also worth talking to the billing office for your OB practice or hospital and seeing if they have any insights about how to wring more money out of the insurance company. And if they are still denying things you think should be paid, consider filing a complaint with your state department of insurance.
I work for an insurance company if you need any practical help sorting through it all, feel free to PM me!

Thanks Boots!! That is such helpful advice. I am going to start tackling that - I'll let you know how it plays out.

musicteach78 · May 2012

I feel like I want to write back to every single one of you wonderful ladies that replied. I went from feeling absolutely miserable to thankful I had someone to hear me out and advice to deal with the money situation.

I simply want to say, as much as it sucks that we are all here together - I am more thankful to this board than any other I have been a part of yet. You are, by far, some of the most caring, level-headed, straight shooting women I have met. Thank you for that!

csspencer · May 2012

Call and ask both your insurance company and the hospital what exactly was billed, and what exactly you have to cover. I had a headache of biling issues for a couple months after my loss in January. Only to find out that first the hospital billed it all as an ovarian cyst, and not a miscarriage, and then when that was straightened out, I found out that the insurance people were morons who thought that all pregnant woment, regardless of how far along they were should go to L&D and not the ER when having a m/c. Once I flipped out on a couple of people, and spoke to a few supervisors, it was all taken care of last week...only for me to find out I now have an ectopic pregnancy, so I'm sure I'll be dealing with 3+ months of arguing with both the hospital and insurance company again.

Anyway, take your time, when you feel up to it call them and find out exactly what you are responsible for. Pull out your benefit book, and make sure you know exactly what was and wasn't covered (that saved my @ss a couple of times). And if you don't think you can deal with it, have someone else call. Either pretending to be you, or tell your insurance company that that person has permission to act on your behalf.

keft514 · May 2012

I'm so sorry. We have all been in your shoes. I am still making payments on my D&C from October. Tomorrow is my EDD and my $250 for my monthly payment is due.......I want to call them and say, "DO YOU KNOW THAT YOU SUCK FOR MAKING ME PAY TO NOT HAVE A BABY????!!!!" but I get the feeling they won't care.....

(((HUGS)))))))))

whiteroses05 · May 2012

Reading this I can totally relate to your frustrations. I hoping we recieved all of the bills we have to pay. However it does seem like they appear when you finally start feel good or ok with with things. Thats always seemed how it happened to me. I would be having a good day then in the mail would be a bill. It was so frustrating that I would break down and cry. I really am sorry you are dealing with this! Makes me wish there was someone else out there who could handle these matters for us. {{Hugs}}

ChloBub · May 2012

(((hugs))) I'm so sorry. It just isn't fair.

Laurakat81 · May 2012

(((BIG HUGS)))

JennOH85 · May 2012

I'm sorry you have to go through this with YH out of town. When the first few bills started rolling in, my first response was anger, sick-to-my-stomach, white-hot anger. Then the depression set in. I'm paying a little bit every month, but it's going to take awhile. What's the price tag for a broken heart? Apparently it's more than two grand.

Hang in there. And as PPs have suggested, try to get answers about why things were covered they way they were, or not covered at all. The statements are confusing as all get out, and I wish I'd have asked more questions. The biggest problem was I didn't even know what questions to ask (except maybe, "WTH??").

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