Friday, November 17, 2006

Medical Bills and Insurance
Canadians that come here will not understand this post. My hubby had a hard time learning about medical insurance when he first moved here, and 9 years later I think he understands a bit more now. I have insurance, I have relatively good insurance. But even though it has paid out a lot for me in past 4 years, I still owe huge gigantic medical bills. If I were OCD over owing money I would be a basketcase. I have advised the hubby never ever to sign anything for me, this is good advice for anyone. Don't let anyone sign for you when you are admitted to the hospital. More advice, bug the crap outta the insurance, and the doctors. My 1st gamma treatment this past summer came to 56,000. Insurance doesn't really want to pay for this. First they requested my medical records. I got a package in the mail from the doc it was my medical records! They mailed them to me and not the insurance. So I made a copy (hey if they sent to me a copy I am keeping a copy) and mailed it to the insurance several months ago. They are still denying the 56,000 saying they need a letter of medical necessity from the doc. GEEZ! So I call the doc s office and she tells me, "Oh we got that request but I called them and told them we didn't see you that day" GRRRRR! I explained no you didn't see me but you sent me to have the treatment that day! The lady was like "OH". She said she would mail it out. I didn't trust her (Gee I wonder why) and called back 2 weeks later and she was very short with me saying she mailed it the day she talked to me. But this bill has not be paid yet, and I really don't have an extra 56, 000 laying around much to my dismay. What I really don't understand is why the insurance paid for the second treatment I had a month after the first treatment with no questions asked!

Anyway I guess the moral of this is, you Canadians have it so good. But since I do medical billing for a group of docs, insurance keeps me in a job! Catch 22 for sure!



Anonymous Anonymous said...

Medical Bills are a pain in the ass! Even though we have medical aid (insurance), which I might add is very expensive, If i need to see a specialist I have to pay cash as our insurance does not cover it, well most of it anyway!!! I sometimes think I am in the wrong profession and should rather have become a doctor!!! Take care and have a good weekend!

11:03 AM  
Anonymous Anonymous said...

Ugh. Do you have any hair left?

12:31 PM  
Anonymous Anonymous said...

Suggestion: Tell your insurance company that you've done what they've asked with no action from them and you are now filing a report with the state commissioner of insurance. That generally lights a fire under their ass to approve the claim. And if they haven't paid it after a couple of days go ahead and make the call to the insurance commissioner.

1:11 PM  
Anonymous Anonymous said...

I haer ya I owe 494 dollars for my hyalgen injs. to my knees and another 1,00 dollars for the MRI done on my knee and another 1,300 dollars for the MRI done on my shoulder. I have insurance too!

1:43 PM  
Blogger Ms.L said...

That we do.
It's certainly not perfect but it's better than the hell I've heard of with the system you guys have at the moment.
People shouldn't end up bankrupt or commit sucide over medical bills. That's just wrong and it hurts my heart to think of people in those positions.

Thanks for all the tips,if I'm ever in the States I'll remember what you said:)

3:16 PM  
Blogger Ms.L said...

PS. I'm fresh outa 56,000 bucks too,lol
Funny that..hee hee

3:18 PM  
Blogger Fantastagirl said...

When we had Pan - we had to submit the bills 5 times before they would cover it - and even then we ended up paying an arm and a leg. When we had Tink - $10 co-pay. Much better company.

9:10 PM  
Blogger Gary said...

I have never really had to pay money for medical problems, but I'm sure I'm just lucky so far and my turn will come. Sorry to hear about your problems.

9:41 PM  
Blogger kimber the wolfgrrrl said...

I've heard horror stories about the US health care system... YIKES! I hope a spare $56,000 falls out of the sky for you!

4:01 AM  

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