Yes and I don’t know. I had 9 major items on my to-do list today, most of which involved using the telephone. I am not a phone phobe, but I admit that I *much* prefer email and other online communication. Calling is rarely something I look forward to doing.
Calling to struggle with medical insurance and billing is never something I look forward to doing. Today was no exception. I always anticipate a solid, uphill battle; rarely actually seeing the results that were supposed to come from the first round of calling.
The result today is a mixed bag. I did get the one bill issue resolved, I think. She said she deleted the one account addressed to Hunny Me; hopefully it really IS resolved. On the upside, two bills – both to labs with the same name but different locations - were sent for review when I called a few weeks ago, even though I hadn’t gotten the second bill. BOTH of these bills were from last April. Are you kidding me? It takes 8 months to finally bill insurance??
While insurance did pay the in-network amount for “reasonable” charges on both bills, there was a substantial amount of the most recent bill that was not deemed “reasonable” by insurance. *This* part of the billed amount is what the other providers (out-of-network providers practicing at in-network facilities from my post here: 2010) like to use to try to screw over consumers with, in my experience.
Even though my insurance has graciously paid at the in-network price on the reasonable charge, because the provider is out-of-network, they justify charging you the whole amount because they are not bound to any kind of contract with your insurance. See how this works? They could charge you a million and $1 dollars for a Tylenol, and expect you pay the million dollars your insurance has deemed to be not “reasonable and customary.”
Now I get to sit and wait. When it comes to this kind of stuff, that usually means worrying, too.
Was the day a total loss? I don’t think so. I think it was a victory to get the one account cleared up, and hopefully that solution sticks. I made numerous phone calls over several hours; calls that I had been dreading. I feel better knowing those are off my mental plate.
I also got some work stuff accomplished, which is also nice to get off my mental plate. I missed my opportunity for a nap today, and my head is pounding. I am hopeful it will not become a migraine.
I haven’t gotten anywhere with the dealing with the stuff issue, as we didn’t get the cubes (see my Stuff post to know what these are). We looked at the cubes, but the sale was over, so we’ll wait until they come around on sale again. That might actually give us time to sort through the stuff and get some of it sorted!
I feel good about what I got done today. It’s a tight time-line, and I need to stay on track. I am a list-maker on days when I have a lot to do. It’s a good feeling to cross things off that list and know you won’t have to do those again today. Tomorrow, I’ll make a new list, unless I do that tonight so I don’t forget something.
For now, I am going to drink my pot of chamomile tea, and think about what to make for dinner.