I don’t think I have anything eloquent to say. I’ll try though. I’m still battling with our health insurance over Nathan’s medical bills. He hit his out-of-pocket maximum on January 23, 2007. They never stopped billing us for his coinsurance anyway. I spent 45 minutes on the phone arguing with the “specialist” about what an individual maximum meant versus a family maximum. She told me , once he hit the individual maximum then he just started accruing on the family maximum until that was hit. Huh? What is the purpose of an individual maximum then? 5 minutes before I needed to leave the house to pick up Julia from school she FINALLY got it. However, it was too late to make sure she was going to do anything helpful about it and I had to get off the phone. This is coupled with the fact that on October 2 I called and they told me they would issue an out of pocket audit. They have now told me that for some reason, even though I called on October 2, they did not start the process until October 29. It will be 30 business days. Gee – Thanks Uni+ed HELL Care.
So – we may be left with the dilemma – pay bills we don’t owe or be sent to collection and have a black mark on our credit report.
What a great choice. I just love the way insurance companies leave the patient with zero recourse when they can’t add two numbers together and their system even shows negative numbers as a balance due by us.
Oh – and the emotional cost to me is almost as bad. I just don’t have the extra emotional energy to battle with stupid people.