6.30.2020

Dear Customer Service - I'm weighing the stress, frustration and hatred of dealing with you verses just paying this bogus bill. Is this your evil plan to begin with to make me give up and just pay it? Brilliant.



So the first thing on my mind is we had a very boring dermatologist visit for Mr. Coffee and we just got copies of 3 of the insurance claims.  Remember the good old days when a doctor's office and the hospital would send you ONE bill and they were in charge of dividing up all the charges to the various people they used for the visit or service?

Somehow, over the past 8 years it's become the norm for everyone who looks at you, your chart, says hello to you or even just passes by your room and peeks in can (and do) bill you for it.  So, a regular old check-up at the dermatologist for a skin check turns into a bunch of different bills.  Most all were covered because it's just a preventative well visit but they often 'test' spots that look like they may be suspicious.  So 2 little scoops, tests done, tests clear.  All healthy.  But we have a bill for the 'lab' work.  No idea why but it seems when everything else is covered it's always the 'lab' bills that come in as due. 

And I have to be honest... I despise dealing with the idiots that answer the customer service lines so much that I'm pretty sure I'm going to end up paying this JUST SO I DON'T HAVE TO DEAL WITH THEM.

Sad but true.

My husband says  to call and fight it.  This one bill is basically an entire grocery shopping trip for us... but he also admitted that it's easy for him to say because he's not the one having to talk to idiots and fight it.

I THOUGHT I was ready to go to battle this morning.  I had 3 cups of coffee in me.  The copy of the claim in front of me.  The phone number scribbled down to call and the phone in my hand.

But I wimped out.

I'm a wuss.  Or I'm just not mentally and emotionally ready to deal with them.

(For the record we've worked for this company and thus, had this insurance for about 5.5 years now and in that time we did have ONE absolutely wonderful, intelligent, articulate person who knew her job, knew what she was talking about and didn't just make shit up to get you to think you had the situation figured out and would hang up 'happy' and therefore, make their numbers look good for customer service because when you find out they lied to you and you have to call back AGAIN to deal with the EXACT SAME THING, you'll get someone else to talk to so they don't give a crap).

This young woman was absolutely AWESOME and because of that, she was apparently promoted.  Sigh.  Once she was promoted, we've never ever ever in 5 years had another intelligent being at the other end of the line.

I'm rambling.   Perhaps it's procrastination... ha ha.  Because I'm pretty sure I've talked myself out of having to call and have come to terms with paying for the bill?  Although it still irks me because I KNOW FROM PAST EXPERIENCE if we make them resubmit the bill, it will probably either be covered 100% or will be paid to some extent and we'll probably end up owing about $45 of it.

But you have to go round and round with insurance companies and doctor's offices and hospitals now just to get them to do their jobs.  Typically they've "submitted the wrong codes" and they see that immediately when you call to inquire.  If they can easily and immediately see that a wrong code was used, then why didn't someone notice that BEFORE I had to call 3 people over the course of 2 days and wait on hold for 47 minutes each time?

Because people are lazy.  And sloppy.  And want to earn a buck without doing their jobs.

This is the news story that I read this morning that was on my mind when I started to chat about MY bill that should have been covered; 

Two Friends in Texas Were Tested for Coronavirus. One Bill Was $199. The Other? $6,408.


Because yes... this is exactly what happens.  Every damn time.  This is not an anomaly.  This is the norm.  And in the article you will see the quote "don't worry, your insurance will pay for it..."  which is something we hear ALL THE TIME.  And I've learned to then say to the doctor, resident, nurse or other medical staff:  NO THEY WON'T.  THEY WILL PUT THIS ON OUR DEDUCTIBLE, WHICH IS SKY HIGH AFTER OBAMA SCREWED UP THE HEALTHCARE SYSTEM, SO WE WILL BE PAYING FOR THIS OUT OF POCKET.

And every single time, the doctor has backed down immediately from ordering that 'extra' and un-needed test, service, etc. that they use to pad their pockets because 'insurance will pay for it'.  When they know WE are paying for it, suddenly those extra things?  It's no longer even needed and never was to begin with.

And... wow, so many side topics on this topic.  I best just stop... and drink more coffee.  BUT IF YOU READ THE COMMENTS BELOW THAT STORY you will see we are all in this together - we've all had it happen, it continues to happen and everyone knows about it.  The insurance companies and doctor's office back down IMMEDIATELY when the crazy bills are brought to light of day through social media and news media 'help' segments.   




.....Meh, it's just the coffee talking again.




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