Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Tuesday, June 21

Insurance Claims

so i got a notice in the mail from Dekalb Medical which is where i went the last time i fell.  the notice stated that it had been 30 days and they hadn't heard from Aetna as yet re:payment.  The balance on the account was somewhere between $1500 and $2000 (for a CT Scan) but when i looked at the bottom line "Pay this amount" it was 0.00 so i breathed a little easier.  well that prompted a call to Aetna to find out what the problem is!

First thing i did was check my claims online and sure enough i saw that it was denied - great!  Anyhoo, so i made the call.  Come to find out that it was denied because it wasn't pre-certified (approved) by Aetna...and then the lady said if it isn't pre-certified the only time it might be paid is if the doctor diagnoses it as an emergency.  So i said, "well it was an emergency - i'd fallen and was in the ER."  i was told that since i was coherent I should have told the ER nurse/doctor to make sure and pre-certify the scan before anything was performed.  I told the woman that that was the dumbest thing i'd ever heard.  I mean who has time to think about those issues when u are in an ER and worried about whether or not you'll come out in 1 piece or what they are going to tell is going on in that body.
while she was spouting off at the mouth, i continued looking at my claims and noticed yet another 1 was denied - the last MRI.  i asked her about that one - and again she told me that it wasn't pre-certified.  Now that, i'm mad about.  The MSCA had no business doing it without it's being pre-certified - they ALWAYS do it.  Now y they wouldn't do that this year?  who knows! 

On the upside, i haven't gotten any bills from either place (YET?!?)...so I haven't gotten my panties in a bunch or putting on my armour to go to battlle with anyone - YET!!!


Tuesday, February 22

Whoa!

I'm not complaining - I swear i'm not (u all know that i of all people am not)...but 70degrees in FEBRUARY!!??!!!  the world is coming to an end - what the?!?!?!  of course, next week it'll probably snow - such is the weather in Atlanta - steups!! (sorry folks, i have no idea how to translate - it's a teeth sucking noise that we Trinis do)

Anyhoo, I've said before that sometimes i think that insurance is 1 of the biggest ripoffs ever.  But boy am i thankful for it.  My mother is an Executive Agent at Guardian Life and many good things have happened to her since working at Guardian Life and she is doing extremely well there - extremely grateful for that!  Yesterday i got a bill for my last infusion in the mail.  My copay is $40 on the day of and then i normally get a bill for 4.79.  Yesterday when i opened the bill, it was 23.95 - so, of course i needed to understand y it had jumped so much all of a sudden. and i logged onto the insurance co website.

well i discovered that by the time i'd started infusions last year, i'd already met my deductible for the year - hence the low bill (I'd spent so much on my health last year).  Of course i haven't done anything for this year as yet, so i have to meet my deductible before anything insurance kicks in.  Okay, i can live with that.



Then i saw the actual cost of the infusion - 5032 big ones every month!!  EVER GRATEFUL for the INSURANCE!!!!!!  how do sick people without it deal?  I guess they just deal with their ill health???  There was NO way that i could pay $5k monthly; i'd have to do an infusion a  year or something.  Maybe for sick people, insurance is not a the biggest ripoff afterall
:-)