Thursday, December 20, 2012
Oh yeah! It's that time again. Normally I don't fret about things like this but lately I am. It's all about the money! We do have insurance but it seems like they don't pay out like they used to. We have a $1,000. deductible for both my husband and myself, that's $2,000. I don't mind telling you it takes a whole year to pay that off to where they start paying for something. Not sure if we had a deductible before (when my husband was employed with a company who shall remain nameless) but as a member of the self-employed club I am learning a LOT about the insurance business and I have to say I DON'T like it! Anyway, enough about that except to say I have my insurance company's member service number on speed dial and am wondering why they still ask me for my name, birthdate and member number. They should know me by now. I call them to find out why something wasn't covered, what will be covered and why did they coded something the way they did cause now it's not covered. (Another story, for another blog).
Anyway, I was really surprised and happy to find out I didn't have to shell out the $20 co-pay for my physical yesterday, which put me in a great mood. Oh, and I lost 4 lbs since my last visit, grew a 1/2 inch in height, my BP was good and my BS was not! Want the good news or bad news first? Here's the bad. I've been having some pain in my URQ (that's Upper Right Quadrant for you lucky people who don't have to scrutinize every little paper that comes from the insurance company). She thinks it might be my gallbladder so she wants me to have an ultrasound. They scheduled it for this Friday...I had to change it because I already have a doctors appointment. Got it changed to 12/27. This is good because my insurance renews Feb 4th and I know you have already figured this out...it means I have to get this in so the insurance will pay for a it after the $140.59 left on my deductible is fulfilled. THEN I can have the sleep study she wants me to have AFTER they have OK'd it but hopefully BEFORE Feb 4th. I learned all this from the wonderful, patient people in member services who have given me a degree in "INSURANCE STRATEGIES AND GAMES". Seriously though, they have been very patient with me and all my questions and tears of frustration. Other than that...my physical went well except I HAVE to lose the weight!
Thank you for letting me vent...usually my friend and I take a nice long drive to the beach and do some therapy along the way. Cheaper than a therapist and no hassles with the insurance company with the exception of possibly fulfilling my deductible sooner.