Originally Posted by homemademom
Tell me about this. Why would you need them again? Is it a way to keep medical records for yourself, too? Or do you have insurance coming back to you saying you owe them money? I keep medical statements/bills, but not the stuff from insurance. Our company sends SO much (imo) unnecessary paperwork.
Well, I don't know for sure that I do need to keep all of it. Some of the websites you can check telling you how long to keep paperwork says to keep all medical stuff forever, so I do. We have major health issues in this house, and if a mistake were to come up and we couldn't prove
that the insurance company/a doctor's office/a hospital had made a mistake, it could end up costing us tens of thousands. Theoretically even more. So, I keep it all.
We have had to dispute things with the insurance company before, but it's always been a recent problem in the same year. There's always the possibility of an error from a previous year. We've won every fight with the insurance company because of their own documentation.
If you don't have tons of medical expenses, it might not be a big deal to you. It wasn't a big deal to me until I married someone with a chronic, life-threatening illness. I used to just toss my insurance statements! But, when I took over the record-keeping here, and saw the sheer amount of money that could be involved, I realized that all medical-financial stuff had to be kept. I may scan it at some point, but it is a massive amount of paperwork, as you said. I just don't feel like starting that project. It's easier just to file it by year and stick it someplace out of the way.