As much as I am thankful that there are hospitals available to have equipment and places to care for people when we fall ill, I am so discouraged this morning. Its been two months now since they started doing all the testing to figure out what was wrong with me. So now the bills have started coming in.
I had purposly put in a cafeteria plan fund $1000.00 to help combat this, and cover my $1000.00 medical deductible. Thinking I was smart, to get that out of the way first, I paid the hospital for services rendered, only to find out that what you pay for MRI’s and Spinal Taps are not “eligiable” to count towards my deductable. So while I at least had gotten that part paid for, it did not take care of any of my deductable, so if I understand correctly what the rep said, I still will have to come up with that $1000 deductable before the insurance will pay anything further. There is also some other thing she mentioned about a separate $2000.00 maximum-out-of-pocket thing that I really didn’t understand how it comes into play.
So then I talk to the Hospital to figure out some kind of payment arrangement for the rest of the accounts that weren’t taken care of, or covered by my insurance. I am told that they hold the accounts a maximum of 120 days before they send you to collections. Not only that, but they cannot (or will not) combine open accounts so that you can make any kind of single monthly payment.
I have now learned that doing a single test, can spawn multiple seperate accounts for different services renderred during that single test.
So all of these open accounts are already on timers that are winding down, and collectively upwards of $1862.00, which is all due to the hospital in the next few months.
Even the Internal Revenue Service (IRS) will work out a payment plan with you…… >.< But I suppose its easier for them because “its not multiple accounts”
It puts me inline with a bad attitude I’m sure. Because then my next thought process is – that the next time they tell me I “need” to get MRI’s done, I may just question it more.
“Why?” I’ll think to myself.
“To take more pictures of these lesions I have in my brain that you really cannot do anything for, other than tell me to take these daily injections and hope for the best?, And if they get worse, then how are the pictures going to help?”
“So that I can be told – Of course your insurance will cover it! – to which I will incur more of these “Facility-fee” type side charges that aren’t mentioned before hand that in fact the insurance won’t cover because of a technicallity?”
Coupled with the fact that I am trying to get a handle on finances, and I figure out that before taxes, my husband and I pay about $700/month total in medical & dental insurance for our family. Its too bad there wasn’t an option to just have that money taken out and put in an account you can’t touch except for “medical” or “dental” payments. I think my bills would get paid quicker that way then funding insurance agencies and all their “Tiers” and “technical reasons” for paying this, but not that.
I know this is just me whining, and I know people have things much worse, to which if I talked to them, I’d feel embarrased at having complained… I’m just venting… And I hear its good to not let things get bottled up.. (nice excuse right?)
So frustrated…. /sigh… deep breath…
This too shall pass… what doesn’t kill us makes us stronger… In order to see the rainbow, you must first endure some rain…. and <insert here whatever other cliche that people use to make themselves feel better.>
So.. How are you?