:Last year I got divorced, and per our agreement, I was to continue getting the same health insurance coverage, but through COBRA, via my ex's employer. That was supposed to kick in during August.
In October, I had my tonsils out (good times). Weeks later, the bills starting pouring in (hospital, lab, surgeon, anesthesiologist all billed separately) and my insurance was paying only a smidgeon of all that - leaving me owing about $3200.00 - because my insurance company said I hadn't met the deductible.
: Well, during the year I certainly had met part of it, yet it turns out that none of it was "rolled over" into my individual insurance account after we divorced. Thanks, ex's benefits department, good job. So I had to call and pester them to do an "urgent update" to the insurance company....the ins. company said that once they had that information, they would re-process each of the claims, but this time, showing how much of my deductible had been met.So meanwhile I've been warding off the medical billers and trying to make sure they don't send anything to a collections department. For two months, I've been back & forth with ex's benefits department (ironic they're so unorganized and bad with money, considering it's a major financial magazine). I've repeatedly called the insurance company (as recently as Monday), asking if they've heard from ex's benefits department....they kept saying No, nothing is on record since my October surgery.
Then yesterday, I find a check from the insurance company issued to me! Which sounds nice, but it isn't NEARLY enough to cover the surgery costs and it STILL leaves me with $2000 worth of bills! So I just now called to ask, "What happened to 're-processing all the claims'...I don't want a check, I want my surgery paid for!!!" and the guy hemmed and hawed and 15 minutes later, said he'd do another "review" on the deductible.
I just don't know how they go from knowing nothing - to suddenly & randomly sending me a check - and ignoring the fact that they didn't do what they said they'd do. This Cobra payment, my friends, is $423 a month! So for them to barely pay for the surgery, which was hardly an elective surgery considering my Dr. thought I had a tumor (thank God he was wrong), is just so wrong. But on top of it, to be led around in empty circles for months...
.I hope this isn't totally incoherent...I can barely understand it myself!...I just know that some of you have endured similar crap, and it's so hard to get my finances in order when this is looming overhead for months! And I love how nobody, from the ins. company to the benefits dept, knows anything! This is exactly how I feel:
