Can you pay my medical beeeeels?
Rant: Moved to FL Oct 1st, switched health insurance mid-pregnancy. Not a move I recommend. If you do, you need to be all up on that shiznit. You know why? Because if you don't, they'll screw you. Not intentionally, just ignorantly.
I paid about $2700 of my $5200 deductible before we left MA. So that means I should only have had to pay another $2500 before insurance pays for everything. Except when I get my bills, I see that my totals add up to somewhere closer to $8k. (Having a baby - expensive. Before the insurance company smackdown, about $30k. After insurance company smackdown, $15k.) Since DECEMBER I've been on and off and on and off the phone with Cigna trying to teach them how to do math. Every time I call, they acknowledge their error and then say "It'll take 15 business days to re-process the claims." 15 business days later I call back, and we go through the whole song and dance again. Until FINALLY it gets straightened out. Which would be today. But you know what I got in the mail yesterday? A letter from a collection agency. For $17.87. For a stupid bill that I didn't owe on. So now, when I go to get a mortgage and my credit has been tarnished so I get a crappy rate, I know who to thank. (Actually, it would be me. Because I should have just paid it. But do you know how many pieces of medical paperwork I've gotten since Oct? About 200. And usually for $5 here, $10 there... So I wasn't paying them until I got this whole damn thing straightened out. And look where that got me.)
Anyway, first thing this morning I paid every single dime I owed. And some that I didn't (see above). And now I feel wonderful to not have that big ugly cloud hanging over my head.
I paid about $2700 of my $5200 deductible before we left MA. So that means I should only have had to pay another $2500 before insurance pays for everything. Except when I get my bills, I see that my totals add up to somewhere closer to $8k. (Having a baby - expensive. Before the insurance company smackdown, about $30k. After insurance company smackdown, $15k.) Since DECEMBER I've been on and off and on and off the phone with Cigna trying to teach them how to do math. Every time I call, they acknowledge their error and then say "It'll take 15 business days to re-process the claims." 15 business days later I call back, and we go through the whole song and dance again. Until FINALLY it gets straightened out. Which would be today. But you know what I got in the mail yesterday? A letter from a collection agency. For $17.87. For a stupid bill that I didn't owe on. So now, when I go to get a mortgage and my credit has been tarnished so I get a crappy rate, I know who to thank. (Actually, it would be me. Because I should have just paid it. But do you know how many pieces of medical paperwork I've gotten since Oct? About 200. And usually for $5 here, $10 there... So I wasn't paying them until I got this whole damn thing straightened out. And look where that got me.)
Anyway, first thing this morning I paid every single dime I owed. And some that I didn't (see above). And now I feel wonderful to not have that big ugly cloud hanging over my head.
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