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:
This picture is being sold as part of a fundraising effort between the US Pain Foundation and 540WMain, a non-profit run by my dear friend Calvin Eaton in Rochester, NY. Learn more about this project and how to purchase artwork by those who have chronic pain conditions.
This picture is being sold as part of a fundraising effort between the US PainFoundation and 540WMain, a non-profit run by my dear friend Calvin Eaton in Rochester, NY. Learn more about this project and how to purchase artwork by those who have chronic pain conditions.
This beautiful piece of art was created by my friend Terah. I personally gravitate towards images of trees and roots I think because it represents grounding and growth for me. I’m so excited to share her creative work. After many years in a successful career with Coca-Cola, Terah was forced to go on disability in…