Can we rant about healthcare/insurance/medical bills and how frustrating it is?

@dreamy1 (3815)
United States
May 3, 2009 6:07pm CST
I just have to vent. Today I got a call confirming a doctors appointment for later this month and to get some information since I will be a new patient. They told me to check with my insurance to make sure this particular doctor (specialist) is covered. I go online to my insurers site to see if I can find the information. While looking for the info I see they denied a claim for some labwork (had blood drawn)I had done about two weeks ago for $551. Another claim is pending for the radiologist which looks like that will be denied too for over $700. Now I have to come up with over $1200 that they did not cover. I have a job that I am thankful for every day and insurance finally after not having any for a couple of years but I don't make that much money. How the heck can I pay this? I guess I will be on mylot a lot more lately to try to make anything I can. I'm a fairly healthy person. I get maybe a cold once a year so this is really the first time that I am having to deal with all this and it's frustrating that for one I can't get an appointment for months. Heck whatever I may have I might die before I actually get to see a doctor before finding out what's wrong. It's ridiculous. I should just drop this crappy insurance and take my $20 that I'm paying each month (yeah I got the cheapest plan I can get because that's all I can afford) but oh wait they went up on the monthly rates last month so it's even more) because I can't afford to get sick. I'm just going to take my chances and hope whatever it is doesn't kill me too soon or too painfully because I can't afford any more doctors. Have a medical bill nightmare you care to share?
2 people like this
7 responses
• Finland
3 May 09
Horrible for you... But Americans can´t actully rant about healthcare/insurance/mediccal bills. And not be doing something about trying to convert to National Health Care. I´m not saying this can be done in a day but steps need to be taken. Sure there might be looser in this (like a totally healty person never needing geriatric care when he is old). I don´t know but I see the the value in the state taking some extra taxes from me personally. This has costen me so far in life probobly more than I have used it for Bloodworks/Checkups + one plasterd arm. And when I do need some pills. 99% setain that whatever the doctor procribes to me i can afford it (and if not I apply for medicalrelife for my pills). And I´m fine paying the extra taxes going to my father (Diabetes) and my Grandmothers one needing basic geriatic care and the other needing care for her Cancer. And I can go to the ER get the treatment i need right away (and just IDing myself)...No matter if I´m rich or poor... But I suppose some people really whant those extra moneynotes in their wallet....
1 person likes this
• Janesville, Wisconsin
27 May 09
Yes they can.. These universal and national health care plans can be just as bad and worse.. I however am not gonna get into detail about that...
@kareng (7980)
• United States
3 May 09
Healthcare has gotten unreal lately. I blame it on the HMO's myself. It seems that things changed after they became the way companies provided insurance for their employees. We recently had a problem with hubby's insulin. It is packaged in 30 day intervals which sometimes gets messed up with different numbers of days in the month. He went to get his refill the other day and they told him he would have to pay two copayments for the medicine. That would be $100 and all they would give him is the 3 day supply since they say he is early. Now he takes 2 shots a day and every now and then forgets. I can promise you that he hasn't taken over his allotment for the month or last 30 days. He finally got the pharmacist to talk to him and explained the problem. Luckily the pharmacist saw the problem and changed the info in the computer so that my husband could get the insulin for 30 days and one copayment. He asked how much it would be without the insurance...$450.00! Holy cow! If I were you, I'd be resubmitting all those claims. If nothing else it will buy you some time. Good luck with that.
@kareng (7980)
• United States
3 May 09
I agree, greed is at the top of the list.
1 person likes this
@zeloguy (4913)
• United States
5 May 09
I just had bloodwork come back that the doctor said she needed (over and over again... I really don't like needles) and I finally went and got my blood drawn and then got hit with a $700 bill for the tests. I made sure I went to the correct lab (that had happened to be before) and yet no mas... not paying. I called them up to find out they called the test 'elective' and therefore they were not paying up. After paying so much each week and not even having them divy up when I need them, why the hell am I paying for this insurance at all? Thanks Zelo
@dreamy1 (3815)
• United States
9 May 09
After paying so much each week and not even having them divy up when I need them, why the hell am I paying for this insurance at all? My sentiments exactly.
1 person likes this
• United States
4 May 09
Well, I have always been very healthy. Then this Jan. I'm driving home from work and I almost blacked out. I was by myself on a back road. I almost pulled over, but it passed. Then a few minutes later it hit again. It happened again before I made it to a small rural hospital. After some tests it was found my heart was putting out some really dangerous arrythmias (not beating properly) I was rushed to a big hspital by ambulance. My insurance wouldn't kick in for another month and a half. Right now I have medical bills that total almost $190,000.00 The hospital bill alone was $164,000.00 I had to have a pacemaker/defib. implanted. This is a pretty reular proceedure, not open heart or anything. I was in the hospital from lunch time on Sunday to lunch time on Thursday. No ICU...nothing big. I was told that in most other countries like India, it cost $3,000.00. Naturally, I havne't been able to work, they are holding my drivers license to make sure I don't drive and have the defib. go off. So they offered me COBA when my insurance would of been in place. It was over $650. a month just for me. Yea right...with no job.
@dreamy1 (3815)
• United States
9 May 09
Wow that's just unimaginable. Glad you're ok now.
1 person likes this
@Jennlk84 (4219)
• United States
3 May 09
Oh gosh, I am so sorry. I can understand needing to vent! I do not have insurance. I have a teaching position that doesen't offer insurance. I've been without it for the past 3 years and it's been tough. Luckily I'm fairly healthy - like you and have only had once instance where I racked up some lovely doctor bills. Last year I was really sick and ended up having to go to the ER. It cost me about 1000$. I finally just got it paid off. I will be so happy once my fiancee and I are married this summer and I can be on his insurance! It will feel so good to have insurance again.
1 person likes this
@dreamy1 (3815)
• United States
3 May 09
I know what you mean. I used to teach part time and didn't have insurance all total I didn't have insurance for about four years until this past January. I just had to be careful. I'm definitely doing to start eating better like I said I was going to do before. An apple a day. I guess I need to load up on the apples.
1 person likes this
• Finland
4 May 09
And I have never had some extra medical insurance...But that insurance is for the lost income you would have not working and have to be home sick and not seeing your self going back to the "funds" your avarge Collage student have here...
1 person likes this
• Janesville, Wisconsin
27 May 09
It is frustrating. Especially when you are uninsured like I am, and your parents are nice enough to pay your bills. Then 2-3 years later.. Guess what get a call they not only claim we did not pay the first time, but also the new bill they want to charge me with is larger. I went in for a shoulder once that was three x-rays.. I went in for an Ankle that was two x-rays in the ankle one x-ray in the knee... Guess what... My 250 first time was supposedly paid off.. then 250 the second time plus that 80 up front both times.. as suppose to be the end up it. Three years later... They are trying to charge me not only for an x-ray but for cast, I never had put on, and for redjustments, and even bone setting! I'm sorry the bone issue I had was scar tissue there WAS no bone setting! .. There were not readjustments it was slight tearing in my tendons and legaments! one visit with x-rays only... Now 3 years after the fact they wanted 375$ more dollars.. When I went in again for my ankle they totally lost my medical record from my shoulder only 4 months earlier... Funny how they lose my medicial record, then have a bill, with a bunch of false information! So from now on if I get hurt I am either gonna die, or treat myself as I have most of my life.. I'll go to a free clinic for x-rays if I have to.. I treat myself for everything else anyhow... So the Mercy Health Care clinics, and Mercy Health Care systems, as totally lost a customer, and a patient. Its funny how they love to keep recharging me for things years later... When the most I make a day is 11 cents a day, I live with my parents still, no job, no drivers licence. If it were not for living with my parents, and family who is making me cry every day about how I wish I had a good paying job... I'd probably be in jail since they want to keep recharging me for things... that I already paid for... I told my Dad I want copies of the receipts and checks.. He never gives me them... I however encourage ALL of you to make sure you get a copy of your medical bill, reciepts and checks. So the clinics or anything else can not keep stating you did not pay when you DID pay. One of the leading causings of debt in this country is medical bills! and Health Care issues! ... Its time for the people to stand up and say hey! You want our money then you fix the billing system! You stop losing our medical records! .. You get your head out of hinder, and stop screwing us over.. or we will all go to alternative clinics speaking of Which. Everyone should Support Patch ADAMS!... If we have to put the system we have now out of business and go into alternative clinics and treatments and places that do not run people over by their bad systems then that is what we need to do.. Put a stop to it. - DNatureofDTrain