Why is it that whenever you actually need to make an insurance claim they make you jump through hoops?
D and I have always had separate medical insurance because it has worked out cheaper to go through our own companies rather than pay for family coverage. Last year we opted to move me under her insurance so that I could bank flex dollars in my Health Spending Account ($700) for infertility drugs. I was also covered under D's insurance for up to $1500/lifetime for infertility treatment thanks to this move. By doing this we gave up my hospital coverage in lieu of D's. For 2010 we've both moved to my insurance since it seems in the long run it is much better.
Our recent "winter vacation" in the lovely 2 star postpartum ward cost us a whopping $850 for 3 nights in a private room. Through D we claimed 3 nights at $150 and $150 for January 1st through my own insurance. Therefore we'd only be on the hook for $250.
Our claim was denied!!!
After being given 2 wrong phone numbers and speaking to 5 different people we've finally uncovered our first challenge in processing this claim. Apparently D's coverage for hospital is through a separate company that we had no idea we were associated with!
We now need to call that company to find out how we can submit a claim because even D's HR had no idea. We're clearly the first to ever use this benefit (insert dramatic eye roll)?!?!?!?!
What a pain in the ass but at least we're (likely) going to get our money!!
ugh that sucks. and how is it that they don't know where to go for that claim? doesn't sound very reasonable. wow, that's a huge bill. we paid for a room for one night (because we wanted private) and angele's benefits only cover semi private. but they covered a good portion of the bill so we only paid like $50 i think. maybe a bit more but it was worth it to not share a room and have angele with me. so stupid because i'd get a better hotel room for that price. lol
ReplyDeleteOur coverage was only for $150/night but it was totally worth covering the extra $130/night. Even if we have to pay the full amount it was STILL worth it. I seriously would have hung myself from the privacy curtain if we'd been in a semi for 3 nights!
ReplyDeleteDealing with insurance companies is never fun. Hopefully they wont make it too painful!
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