Just received a bill! - Mothering Forums

Forum Jump: 
 
Thread Tools
#1 of 7 Old 07-18-2008, 11:26 AM - Thread Starter
 
berkeleyp's Avatar
 
Join Date: Apr 2004
Posts: 1,037
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I hate the state of insurance in this country and I'm also feeling really stupid right now.

I just received a bill for $1500 from the hospital. That was after my insurance paid like 3K. I was only at the friggin hospital for 10 hours! WTF. So i'm an idiot because I didn't check with my insurance to learn there is a 1500 copay for any hospital stay. I thought since maternity was covered that I would be covered. So now I owe 1500 fing dollars to the f-ing hospital.

The part that really sucks is that I could have applied for state insurance and would almost certainly have qualified but I thought it was wrong to take advantage of state benefits that I didn't really need since I do have private insurance. If I had cancelled my insurance, I could have had the state foot the whole bill - no question but instead I owe $1500 that I don't have - all becuase I gave into fear and went to the hospital instead of having a homebirth, which I could have done with my same midwife.

I was in tears when I checked my policy and saw what a huge mistake I made. I even cried on the phone to the billing person at the hospital (I have never gotten emotional like that with a stranger EVER). They are sending me an application for assistance and if that doesn't go through, I may try to appeal to the state insurance program for retroactive coverage but this just sucks so bad. I've been paying a higher monthly premium so that I would have maternity coverage for the past three years. I should have just gotten a cheaper (non-maternity) plan and then gone on state insurance when I got pregnant. I'm an idiot and healthcare in this country SUCKS!

End of rant.
berkeleyp is offline  
#2 of 7 Old 07-18-2008, 11:59 AM
 
Qerratsmom's Avatar
 
Join Date: Sep 2004
Location: The U.P.
Posts: 1,214
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
ugh! the state of health insurance sure does suck in this country.
i'm sorry.:
Qerratsmom is offline  
#3 of 7 Old 07-18-2008, 12:03 PM
 
PiesandAbrosmama's Avatar
 
Join Date: Jan 2003
Location: Leadville CO
Posts: 1,016
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Geez I am just speachless because if you did not have health insurance you would have been cash huge discount and then payments would have been what you pay in premium and then you would have come out way ahead. Yikes this is insane! Hopefully you get the help you need to pay it off. also they can take payments have done this many times for kiddos emergancy bills!

Mama of 4 all born at home : Mothering
PiesandAbrosmama is offline  
#4 of 7 Old 07-18-2008, 02:22 PM
 
kltroy's Avatar
 
Join Date: Sep 2006
Location: Chicago
Posts: 2,151
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Wow that sucks. I'm so sorry - I hope you get it straightened out in a reasonable manner. Our health system is SO broken

Mom to James (ribboncesarean.gif 5/2006), Claire (vbac.gif 6/2008), furry kitties Calvin and Bob, and wife to Dennis. 

kltroy is offline  
#5 of 7 Old 07-18-2008, 04:42 PM
 
MamaHen2J&J's Avatar
 
Join Date: May 2007
Posts: 1,100
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Please don't beat yourself up... you have a healthy baby, thats most important! Do what you can, but in the end lesson learned... Its only money.

Easier said then done, I know...but you can't change whats done.
MamaHen2J&J is offline  
#6 of 7 Old 07-18-2008, 04:47 PM
 
Jazzmin's Avatar
 
Join Date: Jun 2006
Location: Indiana
Posts: 1,726
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Most states will back date coverage once you apply. So, if you apply for state coverage now, they will cover anything within the past 90 days. Might be worth looking into.

Mom to DS1, DS2, DD1 and DD2! h20homebirth.gif
Jazzmin is offline  
#7 of 7 Old 07-18-2008, 06:44 PM - Thread Starter
 
berkeleyp's Avatar
 
Join Date: Apr 2004
Posts: 1,037
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I did just apply for coverage for my whole family so hopefully they will pay the copay but man - this just sucks.
berkeleyp is offline  
Reply

Quick Reply
Message:
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0
Options

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off