Wednesday, November 1, 2006

Gotta love insurance companies...

Sigh. So yesteday we opened the mail to find a bill from the hospital. It says insurance is declining payment because an agreement with the provider has not been submitted or something along those lines. The bill is $76,000. Yes, you read that right. $76,000 for *some* of my surgery costs to remove the cancer. This does not count the doctor/specialist bills, etc. I am sick to my stomach over this!

So, spending time on the phone with all parties was part of our fun day ("our" meaning DH and me). Insurance company tells us to call the hospital, hospital says call the doctor, doctor says call the insurance company - you know the drill. So, nothing was really resolved - the insurance company has told us to "appeal". Um, this is ridiculous! All the paperwork was completed before the surgery, I had lengthy conversations with everyone beforehand to ensure everything was taken care of - luckily i have the dates/times/names so I can say "Joe Schmo told me..." but it doesn't seem to be doing much good. How can we be sure everything is okay and then get a bill like this? And then no reasoning why? What the heck?

I mean rationally there is no way I can think of that my surgery would not be covered. IT is in network, everyone was a participant, got the precert, etc.

Sigh. Sorry to ramble, just really sick over this.