Case (![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
case) wrote in ![[community profile]](https://www.dreamwidth.org/img/silk/identity/community.png)
fandomsecrets2015-01-19 07:55 pm
case) wrote in fandomsecrets2015-01-19 07:55 pm
[ SECRET POST #2938 ]
⌈ Secret Post #2938 ⌋
Warning: Some secrets are NOT worksafe and may contain SPOILERS.
01.
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02.
[Constantine]
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03.
[Dragon Age]
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04.
[Merlin]
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05.
[Pokemon]
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06.
[The Americans]
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07.
[Doctor Who]
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08.
[Twisted Toyfare]
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09.
[Black Books]
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10.
[World of Warcraft]
Notes:
Secrets Left to Post: 02 pages, 046 secrets from Secret Submission Post #420.
Secrets Not Posted: [ 0 - broken links ], [ 0 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 0 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.
Re: deductibles
(Anonymous) 2015-01-20 03:15 am (UTC)(link)How was your experience in that line of work? Besides deductibles, what were some important things you learned?
Sorry to hi-jack your thread, OP!
Re: deductibles
So I was not a traditional worker in healthcare. I didn't get benefits, and I got paid $11 an hour at the top of my game.
That said, I actually kinda liked it, before my health shat the bed. Well, not the nagging for paperwork or money, but chasing down claims felt like a kind of digital archaeology. I felt like I was solving mysteries. And of course, in theory I was helping people.
However, I DID sometimes have shitty things happen. A miscommunication causing a very, very ill woman in the hospital to have a huge bill she couldn't pay, because she thought her insurance would pay and we thought SHE would pay. Tons of paperwork fail. At times, I was privy to extremely private medical information that was none of my business, that was totally irrelevant to the care they needed, PURELY to satisfy a new bullshit insurance requirement.
So it was really conflicting, and I really had some times where I wondered whether I was doing the right thing. I couldn't just dismiss these people as numbers on a spreadsheet; they were people I had to call up, people who were in the hospital, people who were sick and scared and sometimes dying.
I tried to be as good as I could be, but I'm honestly kind of glad I'm out of the business. I just had too much ability to ruin someone's life.
Things I Learned:
- How to read an insurance bill (SO USEFUL)
- How to get a straight answer from an insurance company (SO USEFUL)
- What all those things in your insurance manual MEAN, and how to gauge what insurance is best for you (OH GOD SO USEFUL)
- How to contest an insurance claim if something goes wrong (YOU HAVE NO IDEA OMG THANK YOU WORKPLACE)
- How to file an insurance claim on paper by myself, if necessary (haven't had to use this yet, but still, at least I CAN!)
Re: deductibles
(Anonymous) 2015-01-20 03:42 am (UTC)(link)I want to go into healthcare (become an NP, eventually open up my own clinic) and I want to know how to best serve my patients, and I feel that it very much includes helping them with insurance (or at least having some knowledge of it).
Knowing that I could (in theory) help someone not worry about their health costs (I know it's insanely expensive, I saw how much my insurance covers, it feels like I'm essentially paying 2% of what I technically owe) is something I look forward to. (A small part of me feels like a renegade, as if I'm going to go undercover in order to take down the insurance companies that aren't helpful, but I feel like that perspective isn't exactly understanding of ALL of the aspects of health insurance, which I'm guessing I hope I'll learn?). Thanks again!
Re: deductibles
Yeah, insurance be COMPLICATED. I mean, I worked doing it, and it STILL got to points where I misunderstood shit. That WILL happen, no matter how good you are, because health insurance is FIENDISHLY complicated. I've had cases where people had three different insurance companies, and they weren't sure which one was primary, I've had cases where percentages were more confusing than initially appeared.
So there WILL be cases where you will end up with charges you THOUGHT the company would pay and they won't. And you'll have to make judgment calls about what costs to eat, and what to stick your patients with. It's tough.
Even EXPLAINING healthcare can be really difficult, especially if you're running a medical practice on top of it. Honestly, you would probably be best-served hiring someone to specifically handle your billing, unless you're doing an extremely small practice. Because at this little orthopedic shoe shop, I was basically employed for 30 hours a week to handle phones and insurance shit. And it kept me busy too!
Re: deductibles
(Anonymous) 2015-01-20 05:34 am (UTC)(link)