[ SECRET POST #3207 ]

[case]

⌈ Secret Post #3207 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.

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Notes:

Secrets Left to Post: 01 pages, 020 secrets from Secret Submission Post #458.
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.

Comments

Re: Rant thread

[shortysc22]

I'm sorry you have to go through all of this.

I went to an eye specialist in early September. I have a credit card to be used to pay for medical expenses but only medical doctors (not optometrists or dentists, not for glass, this is important!) So they deny my card, so I pay out of pocket, based on my insurance co-pay. I fill out a claim form because it should be covered. The credit card denies my claim.

I wait for the EOB from the insurance. Meanwhile, it takes the doctor's office a month to send me a bill. I finally get the bill and am able to piece together what I need to submit. I resubmit and two weeks later I finally get reimbursed for the initial visit and the bill.

So yes, I understand part of your frustration.

Re: Rant thread

[(Anonymous)]

I once had to wait SIX MONTHS to get the bill for a doctor's office visit, no lie, and the whole time I had no idea what it was going to be. (I guessed it would be $100-400 and it turned out to be $200-300, so I was wasn't wrong, but only because I allowed myself a $300 margin of error and that wasn't pocket change to me.) I got a couple letters along the way from the clinic and the insurance company saying, effectively "We're negotiating!" and I thought "Just figure it out and send me the damn bill!"

That was the worst thing about having high detuctible, no co-pay insurance. If I hadn't had insurance, I'd have been screwed if something major happened, but at least someone could tell me right away how much I owed for the small stuff. With insurance, I was theoretically better off in case of disaster, but meanwhile there had to be this back and forth where the clinic tries to charge the insurance company as much as they can for a doctor visit and the insurance company insists on a lower amount but it's not like they're actually going to pay out money for anything and I know I will have to pay for all of this myself anyway but it takes forever and there's this bill of an unknown amount that will land in my lap at an unknown date floating around out there. I doubt I saved money having that insurance, since if I'd been uninsured the clinic woud have just given me a discount and called it a day.

That was years ago. When I was between jobs more recently and had to get insurance on the exchange for a while, I made sure to get a policy where office visits were free with a co-pay, because fuck that noise! Yeah, I have to pay $50 to see a doctor, but that's it!

Re: Rant thread

[shortysc22]

That reminds me of a time several years ago with different company so different insurance.

I had to go to a hospital to have an MRA (similar to an MRI but they look for something else). There was no copay and when I called the insurance company (I booked through them to make sure the hospital was covered under my insurance) they told me the test would have to go under my deductible. Since I rarely go to the doctor, I've never even paid anything against my deductible.

I know this test could cost upwards of $1200 and since my deductible was $2500 at the time, I'd be on the hook for all of it. Which is fine because this test was super important. I take the test, no big deal. They're supposed to forward the results on to my primary care within a week. The primary care never call me, oh they lost the results! It got misfiled, they called me back I'm all good. Fine.

Three months later I finally get the EOB. I owe nothing. I'm grateful but if I made the effort to call the insurance company and then am lied to, how am I supposed to believe them any other time I call them? I think part of it has to do with the fact that when I had to get a prescription for this test from my primary care, we spent a good bit of time trying to figure out WHAT code to use.