In April our insurance company sent us a letter that they had approved my spine surgery. Yesterday, they sent us a letter saying my surgery had never been approved. Today they sent us an account summary denying most charges for my surgery and sticking us with $20,000, although our out-of-pocket limit starting in 2008 is supposed to be $7500 (this doesn't include all the items they regularly decide not to cover or deny absolutely, such as the scooter and lift, medicines, therapies for son's autism, denied claims for regular appointments and labwork, etc., which accounts for our other $7500 a year). Hubby's been on the phone trying to get them to work out the contradictions, and that he hold both contradictory letters in his hand. My job is to try not to freak out too much in the meantime. The day before surgery, we were told we owed $2000; the day of, $2700. A large way from $20,000. We really have to call his employer and complain about what assholes (no apologies for the language) the people at this insurance company are.
And they claim work is not a medical necessity (thus no scooter). If we're stuck even with a small percentage of this bill, I can't get medical care the rest of this year and would consider filing for bankruptcy. Forget it. Disability is way better than financial ruin.
I would never have had the surgery, despite loss of bladder function and increasing sensory/nerve issues in my hand and arm, neurological lesions, pain, etc. if I'd known this.
That's just the surgeons'/doctors' portion. They also turned down the $32,000 bill for the surgery center and said that wasn't preapproved. The insurance company says I won't owe for that either, but if they don't pay, I'm certain the surgery center will attempt to charge us. I guess I was supposed to have surgery in my backyard or the kitchen table or something. Yes, the surgery center also preapproved it with the insurance company!
Also, the roof is leaking again. Grrr. I forgot to tell my daughter to hold her hand flat to feed horses before she went to Girl Scout Camp, though I emphasized drinking lots and lots of water. I guess if her fingers had been nipped off, I would have heard about it already. You can't stop a mama from worrying.
Over to friends' tonight, a needed break.
If there's a hell, insurance company executives belong there. That is all.