i thought i'd pass this tid bit along
as you never know
who or possibly when
{hopefully not anyone...but reality will prove my desire wrong}
someone or you may be in a similar situation
as most of you know
i was hospitalized last year
with that came
an overly exceeding amount of doctor visits
which leads to an overly exceeding amount of
BILLS
thankful we have had medical insurance
through all of this
monthly we were paying a nice
400-500.00 a month
from my lovely adventures
in feb of this year
we forked out almost 6,000.00
to pay of ALL of my remaining bills
sickened by the money gone
but beyond RELIEVED
that i would not be a slave to these bills no more
WELL...here's the interesting part
tuesday i had to have my annual
and i handed the receptionist my debit card
to pay my now 35.00 co~pay
she asked me to hold on a minute
while she picks up the phone
i look down to see
"patient balance" 120.00
{i'm thinking...what in the world is this}
she says a few words
hangs up the phone
and says
you don't have to pay your co~pay
you have a credit with us
when you are done
go speak with the billing department
so annual done
i make my way to the billing office
say i guess i have a credit
but what from
she said YOU OVERPAID
insurance has been processing claims
and i guess you were no longer responsible
i look at her and said
SO...DO I GET A REFUND
OR ARE YOU JUST GOING TO
HOLD MY MONEY???
she looks at me and says
"oh, you would like your money"
WELL YES...YES I WOULD
so refund is in the process
120.00 to be coming our way
well this got me thinking
on my way home
HOW MANY OTHER DOCTORS
DID I OVER PAY
long.story.short
i made many phone calls the last few days
NEUROLOGIST: 60.00
NEUROLOGIST: 30.00
RHEUMATOLOGIST: 60.00
CARDIOLOGIST 30.00
this is as far as i got
before deciding i would pick back up on monday
each one that i called and asked them
if they would kindly go into my account
and see if i had a credit sitting with them
acted as if i had gone of the deep end
only to come back and say
"oh, well yes you do"
and me saying
COULD YOU PLEASE
SEND THAT BACK TO ME
crazy
i was so overwhelmed last year
and could not keep up with the endless
amounts of papers that were rolling in
i did not check
i just paid what said paid
and when i went for office visits
and they asked for my co~pays
well i paid my co~pays
so lesson learned
PAY
C.L.O.S.E.
ATTENTION
to your
INSURANCE BENEFITS
once you have met your
outrageous deductible
{which mind you...i pray none of you do}
but if so
remember
once they start paying at 100%
you are usually then
not liable for ANYTHING
meaning
DO NOT PAY YOUR CO~PAY
have them verify
before you hand over your money
and the not so funny thing is
I DON'T KNOW
IF I WOULD HAVE EVER SEEN THAT
MONEY HAD I CALLED
because a few of those doctors
i wiped my hands clean of
so a year later
they are going to pay me
NICE HUH!!!