I have many other things about which I have been meaning to write, but seeing as how I had to take an entire afternoon off of the lab to return home, call insurance companies, and fight while pacing back and forth throughout my tiny little condo... I need to rant.
We all know how much I
absolutely loath UnitedHeathcare. It sucks a huge, fat ass, and ever since our university switched to UHC, I've spent countless hours arguing with them. But, since I live in Washington, D.C., where the cost of housing is equal to two arms, a leg, and the promise of my first-born, UHC it was. My stipend barely covers my rent, utilities, and food... so going out and getting better healthcare other than what my program provides for free was not an option.
Then, I got married... and on June 16, 2008, my husband started his first day as a real, working doctor. This excitedly meant that he had better healthcare options, and I could tag along for a much smaller fee than me trying to pursue other healthcare options on my own! So now, we pay a bit over $200/month for each of us to have really good insurance.
While the competency of my insurance has increased.... the competency of those in billing has drastically decreased. See, because of a problem since birth that should have been surgically corrected but the orthopedic surgeon thought could fix itself, I've been in physical therapy since March, and will probably be going for many years to come. Insurance Problem #1 comes with the timing of switching from UHC to Husband's BlueCross. While he started working in June, he had to complete tons of paperwork, wait for the results of his drug test to come back, and wait until Jupiter was properly aligned with Mars before we received our shiny, new, better insurance cards. As such, we didn't receive them until August. Come August, I happy handed over my new card to billing for my PT and asked them to switch me over for future appointments.
Future appointments, as in, from that day forward.
As case would have it, the billing department stacks up appointments in groups, and bills all at once. So while I did not have a card or a group number or any possible way to use my BlueCross insurance until August, I happened to catch them at the end of the cycle.... and 6 of my previous visits, from June and July, were all billed to BlueCross, without my knowledge. Following 10 appointments, in order for insurance to continue paying, the physical therapist needs to call up and state why more appointments are necessary. You see where this is going, right? If 6 visits were billed to my new insurance, and I wasn't aware of this, because they weren't SUPPOSED to be billed.... then I hit that 10-visit limit a month and a half earlier than anticipated. And not knowing this, I kept going. Until I received a $4,500 bill in the mail for the PT claim that was denied by my insurance. And of course, since this fell in the previous year for the UHC insurance, they do not want to pay for those 6 visits for which they should have paid in the first place. Despite hours upon hours upon hours of calling, nothing seems to be resolved, and in the meantime, the hospital is threatening to send bill collectors for the $4,500 that
I don't actually owe because billing fucked up and not me, and I've had to discontinue my PT until it is all resolved.
Then, last week, Insurance Problem #2 arose. One of my previous migraine medications caused drastic changes to my vision, and as it has been known to cause glaucoma and blindness, my doctor send me off to ophthalmology to check the pressure in my eyes and a thorough exam of my eye structure. Upon arriving, I had to fill out the requisite paperwork, all about my medical history, and to update my insurance information. As in, I sat there and wrote on a piece of paper that I have BlueCross. Then, I handed over my insurance card to the receptionist, where she scanned in said BlueCross card. I know it was the BlueCross card, because I don't even carry my UnitedHealthcare card with me, as I have zero intentions to use it as primary insurance.
Imagine my surprise, then, when I receive a bill in the mail for $206.00 for my ophthalmology visit. So, this afternoon, on my designated insurance fighting day, I called up billing at the hospital to ask why I was sent a bill, rather than my insurance company. At which point, I was told that UHC paid for half, and I was responsible for the other half. As in, despite the fact that I filled out the form and handed over my BlueCross card, they still decided to bill the insurance company that was listed on record from my last MRI in February. WHAT IS THE POINT OF FILLING OUT INSURANCE INFORMATION IF THEY'RE NOT EVEN GOING TO LOOK AT IT?!?! Give me a freaking break.
I was planning on going back to lab this afternoon, but having spent the past 4 hours on the phone fighting, I'm just too exhausted. And in the meantime, I need to switch my migraine medication back to what I was on previously (got the all-clear from the ophthalmologist) because I've had 5 migraines in 6 weeks with what I am on now... but I'm terrified that if I go to my doctor and see him for all of 5 minutes just to ask for a script, I'm going to be billed $150 for my non-examination.
Too bad my husband is too darn ethical to write the script on my behalf. I mean, honestly, what's the point of marrying a doctor if you can't get a script slipped to you now and then??