involuntarysheep
Hospital and Insurance Woes :(
Jan 06, 2013
I had my surgery ont he 21st of November, 2012, almost 7 weeks ago. I have been receiving my claims from the insurance company as they are submitted, so I knew what was going on. I had also arranged through my hospital to put down a $500 deposit the day of surgery and agreed to a payment plan of twelve monthly installments. WELL, wasn't I shocked to get a letter in the mail from the hospital saying that I owed them $2700 by the 15th of this month, which is 8 DAYS FROM NOW. I instantly had a panic attack, and had to remind myself to start breathing again, which wasn't very cool in the slightest.
After I calmed down a moment and took some time to collect myself, as well as grow a little resentful of my husband's reaction towards the whole thing (he handled it worse than I did), I realized it's not like they can just take back the surgery, and I'm hoping when I call them later today, everything will be cleared up and straightened out the way it was supposed to have been taken care of when I went in for the damn procedure in the first place. And obviously everything was GO when I went in because the hospital only performs a planned procedure on two conditions: 1) you pay the full amount upfront, or 2) you go through their financial department, which is exactly what I did. So, really, this whole thing has been total bullshit, and I'm going to call them out on it. Not only that, though, but the bill they sent me and the claims I have been keeping from the insurance company on what I owe do not match at all. In fact, they're about $1000 off, with the hospital saying I owe them more. So, I need to straighten that out as well. Glorious. Just what I need to do after working overnights on my only freaking day off :(
The other thing that is bothering me, and I need to call the insurance company about it tomorrow, is they're saying that they aren't going to cover the anesthesiologist. WTF is that?! You're telling me you'll pay for the surgery, but not the f*cking anesthesiologist? What was i supposed to do, endure my insides being scrambled while fully conscious? I don't think so.
So, yeah, so much to do, so little time. And if things can't be straightened out with the stupid hospital, well, they're just going to have to get their money in twelve installments, whether they like it or not, seeing as how they agreed to those terms in the first place. And as long as I pay them, no matter how much, they can't report me to creditors, as long as those payments are monthly and on time, which they will be, because they always are, dammit. Ugh.
hopefully everything will be sorted out today. If not, well, guess i better get the mylanta ready for some unsettled, surgically altered tummy troubles :(