Hospital Bill #2
This is the second post on a 3-Part Series, dealing with one particular medical bill.
Called 9/8– I now had the information the last person asked for. It was on their website. I mean, if I can access it via their website, shouldn’t they be able to find it? There were 3 fairly large charges that were getting passed on to me.
I was told my doctor was a participating provider, but out-of-network. Basically that means I have a $100 copay each time a doc sees me in the hospital. However there is a $1,000 cap that I pay out of pocket for these types visits. So why am I paying for this? I’m already paying a $3,000 bill to the hospital. So when was my deductible met?
After 42 minutes, the representative was able to explain to me why I have to pay this bill. The services rendered were out-of-network with a participating provider. When I go out-of-network, I have a $1,000 deductible. There’s ALSO a different category that is a $3,000 out-of-pocket, which is another $3,000. Surely I had paid and met these requirements.
The rep took the time to count up all of my out-of-pocket expenses to see when I had reached my combined amount of $4,000. Turns out that as of today, I had paid $3,900.50. I’m $99.50 away. Figures!! Bad News: I do have to pay this bill. Good News: Once I pay another $99.50, I will have no co-pays, no co-insurance or deductibles for the rest of the year.
That got me thinking. I’ve been doing in-patient treatments once a year. With this insurance I know understand that it will cost me $4,000 a year. So do I try to get into the hospital now for another treatment before the end of the year? I haven’t been doing very well and could probably benefit from a ketamine stay. I’m frustrated that money and insurance are starting to dictate how and when I get treated, but I gotta be smart about this. I see the doctor in October and will discuss.
I also realized that I didn’t ask to put this on a payment plan and now I’ll have to call back tomorrow to set that up. Blah!!
Click here to read the first post in this series:
Today, August 31, is International Overdose Awareness Day (IOAD). Started by an organization in Australia in 2001, this is a day to not only remember those lost to overdose, but also to educate. “The tragedy of overdose death is preventable and more must be done to save lives,” says the Penington Institute who started this initiative.
At My Tallest The beginning of my day starts when Archer leaves for work around 9am to brave the LA traffic. Although I just want to crawl back into bed, I start my day with a smoothie. I sit on the balcony just to double check the ocean is still there (my fantasy land of…