The Messy Art of Disputing Medical Billing

My firstborn (FB for identification purposes in the rest of this post) is 22 years old. I thought I would have taught them everything I could by now, life skills wise. It started with things like tooth brushing and pouring drinks. I turned over laundry duties nine years ago. A driver’s license has been in hand for five years. The kid has held a responsible, paying job for fifteen months, and even managed tax filing without my help this year.

But life is always throwing something new at you. I currently find myself in the midst of assisting Kid A with the messy art of disputing medical billing. Perhaps you’ve read some articles recently about surprise emergency room charges. We’re living it.

It all stems from a late-night sudden illness last June. The insurance benefits posted on-line made it look like a trip to the ER should cost a total $100 copay. I offered to split the cost of the bill. Going to the ER turned out to be the right medical decision, but a second trip was nearly induced a couple of months later for heart issues when the health insurance statement showed up, claiming the total patient responsibility was $401.92. Whoa Nelly!

FB tried calling to straighten it out, but quickly became overwhelmed by the bureaucrat-speak, and gave permission for me to handle the issue. I made sure they knew every at step what I was doing, because dealing with health insurance snafus is sure to be a recurring issue in every American life.

I wish I could say I resolved the problem, but it’s still ongoing. In fact, I have a formal complaint filed with our state’s insurance commission and have also contacted the attorney general’s office to see if they can offer advice.

I did teach my kid some specifics for handling communications, though. Document all phone calls, taking names and writing down what was said. When the recorded voice tells you this call may be recorded for quality assurance purposes, keep that in mind. Don’t inadvertently go on record sounding like you agree with anything you really know is wrong. For a Midwesterner raised to be agreeable and pleasant at all times, this is hard. I keep wanting to say, “Okay. I see.” Instead I say, “No, that’s not right.”

Of course, the insurance company gave me the run-around, saying they would send the claim back for review, followed by radio silence until I initiated contact again. Then all of their stories changed when I talked to a second, different person. The real kicker is that, in the meantime, the hospital bill arrived and it was $501.92, even a hundred more than the surprise amount on the insurance statement.

I thought at least that extra hundred would be easy to straighten out. Simply show the hospital billing office the EOB we received. Nope. In November, I called and agreed to pay the $401.92 (FB kicking in the original $50 they agreed to), with the understanding we were still working on the insurance company to get things fixed and we would expect a $300 refund eventually. I worry about bad credit. I was told yes, to pay that amount and fax them a copy of the EOB I had. I did as told and assumed we were finished dealing with them until we could harass the insurance company into doing the right thing.

Nope. A couple of weeks ago, FB got a rude young adult awakening with a letter out of the blue from a collection agency, stating they owe an unpaid bill of $100 to the hospital. I got on the phone with the hospital again, with FB listening, and was able to read them my notes from all previous phone calls to them and insurance company. I said I would once again send them copies of the insurance statement we received, which clearly said “Total patient responsibility: $401.92.” I got an email address this time and scanned the letter to them.

The next day, FB and I were both off work, so we drove to the hospital billing office and presented the paperwork in person, proof it hadn’t been altered in any way. The woman who helped us was as confused as I. She said, “That’s sure what they told you, but when I look it up online, it tells me $501.92.” I talked her into calling the collection agency and putting a hold on their collection efforts until we got the bill straightened out.

After providing proof three different ways, we walked away expecting a phone call from the hospital stating their bill had been corrected. Guess what, though? Right – radio silence again. I finally called back a week later and ended up with a manager, who insisted the higher amount was correct because it’s what they see on the computer. The only way they could change their bill was to get a new, revised EOB from the insurance company.

But when I called them, the representative refused to issue one, saying, “I’m looking here and it says $501.92.” I also emailed them scans of the statement they sent me. Back on the phone with the billing manager, she said she talked to someone at insurance who told her basically that I was lying, that I had simply withheld pages of our insurance statement from her, and if I looked on the very last page, there it said we “might” owe $501.92. I apprised my kid of the latest developments and showed them how to dig in. I went back to the hospital in person again on my day off and presented in person the entire insurance statement I had received, which had the number $501.92 nowhere on it. In fact, the last page was only a list of how to get information if you speak a language other than English.

After hours worth of phone calls, with ever shifting stories from our health insurance company, my temporary, wimpy resolution of the issue was to drive a third time to the hospital billing office, agreeing to pay the $100 only to get the account out of collections and save my child’s credit rating here at the beginning of their adult life. But I also filed a formal complaint in writing to the insurance company and to the insurance commission, and insisted on a note being put on the account stating we didn’t agree the amount was owed.

My biggest concern was that, if they’d already moved the goalposts twice, they could move them again. I was afraid we’d hand them another $100 and then in three months, they might decide the total owed was actually $600, or $800 and ding us again. So I paid the hundred only under the condition that they cancel the collection agency altogether while I was sitting there to witness it and they print me a statement showing a zero balance on the account.

Now, we are waiting to hear back from the insurance commission or attorney general’s office. The thing is, if they had only been a large amount greedy, I would have let it go at 400. But when they went from large greedy to huge greedy and threw in some gaslighting on top of it, they transformed the whole issue into the hill on which I was willing to die. Now I’m working to get a full refund.

I know it’s most likely we’ll get nothing, but I hope at least I’m showing my kid that you keep standing up for yourself. If a bureaucrat is going to swindle you, you should at least make them work for it.

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Legacies and Living Memorials

Our parents never leave us. It sounds a little corny because it’s been said so often. But it’s been said so often because it’s true. Please excuse me if I get a little sappy as the second anniversary of my mother’s death nears.

The other day, I had a conversation with two friends who have also lost their mothers. The three of us, middle-aged ladies all, confessed that we still carry on mental conversations with our deceased parents, and that our mothers especially make themselves heard in our heads quite a lot. One said her mother tells her she should be doing more, the other that her mom is her cheerleader. My mother pops in to express disappointment when I behave with less kindness than I could have.

Yet another acquaintance who has recently lost her mom has started a project, along with her partner, to honor her mother’s memory. Once a week, they put forth an extra effort to do a good deed for someone — delivering supplies to a shelter, for instance. Her mom was an avid volunteer. They are filling the void as they can, helping people she would have helped were she still around.

I have a couple of pieces of my mom’s jewelry – a turquoise bracelet and a butterfly pin. They aren’t worth a lot of money, but I like them and they help keep her memory alive when I wear one of them. I also treasure one of her favorite books, 101 Famous Poems, and frequently read the ones she kept bookmarked.

People inherit all sorts of things from their parents — eye color, musical talent, junk cars, fancy cars, money, debt, beloved books or quilts. But the examples our moms and dads set for us, the lessons we learned from their lives and behavior constitute the largest legacies, the ones with the most impact.

We all have to choose how to use those inheritances once our parents are gone. We can squander money and we can squander lessons learned. Or we can choose to fund endowments or to apply the lesson in a positive way. Sometimes the only thing a parent leaves is a warning example of how not to live. Even that can be made into something of value when the surviving child chooses to do better.

My parents both had their flaws, as do we all. I’ve thought a lot about what positive legacy I want to carry on from each of them. I didn’t inherit money, so I can’t fund scholarships or charities. But from my dad, I can carry on his life-long love of learning, a desire to research and read and dig for information and continue to learn to do new things. I can pass it along to benefit others by teaching some of what I know, which I do through my writing and through teaching tech classes at the library where I work. One of my mom’s best characteristics was one I took for granted until I was an adult, because I didn’t realize how sadly rare it was. You know the advice, “If you can’t say something nice…” She lived it. She never spoke ill of others behind their backs, even if I could clearly see they deserved it. I can best honor my mom by trying to emulate that quality. My memorial to her is the goal of striving to speak with kindness not only to people in their presence, but about people when they are not around. To be honest, I can tend to be a little complainy at times, so this is a good work-out for me.

My biggest hope for my own children has always been that they’d grow up to be people who cared, who wanted to do good in the world. As they’re now in the early years of adulthood, I’m seeing those dreams come to fruition. They both display kindness and empathy on the regular. I hope the voice I leave in their heads will be one that helps more than hurts. I hope they’ll memorialize me when I’m gone by striving to add more love to the world.

 

 

The Magic of Snow at Christmas Time

My dad once told me I would come to dislike snow after I grew up. It hasn’t happened yet. I still feel the magic of the first snowfall every year, doubly so when I wake up to it on Christmas Eve, as I did this morning.

 

I have vague recollections of hearing footsteps going up and down stairs very early this morning before I was completely awake. Evidently, someone was so excited to see the snow, they went running out the back door barefoot.

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Note that, in theory, we’re all adults in this household. But come the first snowfall of the season, we act like giddy little children. Judging by the size of the prints in the photo above, my guess is they belong to a 22-year-old, one who has to go work at a retail job this afternoon.

I’m glad my dad was wrong, but sad for him that he lost the magic. There are some things you should never outgrow.

 

Pet Loss

CJ kittenIt’s been a tough week in our household.

Nine years ago, my oldest child — then thirteen — was visiting family in Oklahoma. And behold, there was a litter of kittens. I have never regretted saying yes when I received the phone call asking if one of the kittens could come live with us.

CJ Cat was my oldest child’s best friend through some difficult times, a consistent source of comfort and companionship. She was a talkative cat, leading us to speculate she may have been part Siamese. She was afraid of strangers and generally hid from company, but loved being with all members of the family. If we gathered in one room, watching a movie or playing a game, it didn’t take long before she’d establish herself in the middle of the group. And when there was a nap to be had, she helped with that, too.

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My son sneaked this pic of me and the cat, both having given up on all of the paperwork.

 

CJ was part of home. She was so present so much of the time.

As she grew up, she developed a weight problem and I became one of those people I used to laugh at for spending ridiculous amounts of money on special, expensive food for a pet. Her weight was heading in the right direction, slowly. We had the goal to bring her down from a high of nearly sixteen pounds to twelve. She’d made it to thirteen and a quarter. We set up elaborate systems and plans to keep her from getting to the food bowls of our other two cats. But she was smart and always on the watch for an opportunity to get any extra nugget.

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CJ Cat loved sunbeams.

We had our morning rituals, and they normally culminated with CJ settling onto my and the husband’s bed for a nap about the time I left for work in the morning. When I’d come home, she’d hear the door and come thundering down the steps, directly to her food bowl in the kitchen.

Last Friday, a week ago today, I’d taken her to the vet for booster shots and a checkup. Everything looked good and she seemed fine. On Mondays, I work a split shift: 9-1 and then evening, 5-9. Monday morning, CJ was okay, eating her breakfast with the usual gusto, getting her morning pets and chin scratching, getting under the humans’ feet as we moved around the house. Then she got into her nap place on our bed.

That’s where I found her, lifeless, when I came home in the afternoon and she failed to run down the stairs to get her lunch. She looked peaceful and at rest, like she simply went to sleep and never woke up, which is what happened, I suppose, and the one comfort in the midst of the shock of losing her so unexpectedly.

My 19-year-old son was home, getting ready for an afternoon college class. I called my husband, who left work. We all agonized over how to break the news to our 22-year-old, CJ’s main human, the one who had brought her home as a kitten. They (our oldest uses they/them pronouns) work as an assistant manager in retail and were scheduled to be the floor manager for another three hours that day, unable to leave until another manager arrived. We all agreed they couldn’t get the news without being able to leave work.

My son went on to his class, as it was a couldn’t miss session that day. My husband and I wrapped the body in a towel and moved it to his desk chair, a place CJ loved to bogart, often jumping up to the seat the minute he left to go get a snack or use the bathroom. I washed all of the bedding and then sat vigil while my husband went to meet our oldest as they got off work and brought them home.

My heart is aching not only over the loss of our much-loved companion, but also knowing how devastating it is for my child. Let me tell you, seeing your child bereft and heartbroken is no easier when they’re 22 than it is when they’re 5, or 13.

We buried CJ in the back yard, in a spot where the morning sunbeams hit every day, because she loved basking in the sun when it came in the window.

Well, we’re ridiculous people who open our home and our hearts to a ridiculous number of small creatures. My oldest child, in particular, has always had an affinity for animals. When they passed the G.E.D. exam, for a graduation present, they wanted a pet hedgehog and even found a breeder about three hours away.

Haymitch Hedgehog lived in a largish, customized home in said child’s room, and often traveled around in a little carrier when his human went to sit in a park and write or eat lunch. He was close to six years old, which is elderly for one of these animals. Two days after CJ’s passing, Haymitch followed her across the Rainbow Bridge. At least this one wasn’t a surprise.

Haymitch

I’m not sure what the neighbors think, with my family out in our yard two different nights this week, wielding our flashlights and shovels. As we laid Haymitch to rest, it began to sleet on us, because of course it did. I actually laughed at the universe going so over the top. The precipitation lasted only a few minutes, ending as we were heading back indoors.

We still have two cats and also two pet rats, all of whom have been receiving lavish attention the past few days. But there are still big empty places. I know the pets we have now will eventually pass (one of the surviving cats is coming up on sixteen years old in the spring) and we’ll mourn again. I don’t see any of us changing our essential natures by not taking in animals as they come along. I grimly joked that some day archeologists will excavate the site of our home and yard and it will just be full of small animal bones.

That’s the nature of life when you like having pets around. They have shorter lives and you get your heart-broken over and over. Do you ever get numb to losing them? Not in my experience. It’s difficult every time. Is it worth it? So far, yes, absolutely.

 

 

 

 

Of Bloggers and Mothers and Death and Cosmic Coincidences

I spent two and a half hours this morning writing about my mother’s death. I know I haven’t been blogging much, but I have been writing. In fact, I’m participating in NaNoWriMo (National Novel Writing Month), trying to pound out 50,000 words of new original writing during the month of November.

I finally finished the first draft of a novel I began two years ago. But with it ended, I still had 18,000 worth of words to write about something, so I’ve been working on shorter pieces. Twenty-two months after my mom’s passing, I decided I was ready to write about my experience of her death in more detail than I have so far. I can do so now without completely breaking down.

I met one of my writing buddies at a coffee shop this morning and we sat together with our laptops, composing our individual pieces of prose. My friend left earlier than I did, as I wanted to stay until I’d gotten my word count done. Besides, I was on a roll, typing up my memories as they came and I didn’t want to forget anything.

The piece I’m working on is therapeutic for me. I don’t know yet if I will share it or if it’s only for myself. But it surely did bring up a lot of feelings and recollections for me, including the memory of how I spent my first several weeks of grief surprised by my own intense desire for some sort of communication from beyond the grave.

After two and a half hours of work this morning, I came to place where I felt comfortable stopping for the time being. I swear I am not making this up. The minute, I closed my laptop, my phone buzzed in my pocket. When I checked it, here’s what I saw on the screen:

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I almost fell out of my chair. Gmail was alerting me that a blogger I follow has a new post published. I don’t pretend to fathom the ways of the universe.

Labors Around the House

When my children were small, we lived in a cute little house. With one tiny bathroom. Where the two kids shared one teensy bedroom. As the kids got to be bigger, the home seemed smaller and we decided to look for a domicile with more space.

Golly, did we ever find it! A 2,800 square foot home, originally built in 1901, with a huge yard in a wonderful neighborhood, within walking distance of a nice park and the public library. It was (barely) within our price range, due to the fact that it had been sitting vacant for a few years and needed some work. A lot of work. So much work.

But my husband and I fell right in love with it. We liked tackling projects on our previous house and figured we could restore this one to its former glory, or something resembling it. So, some window panes were missing, and there was a hole in the upstairs hall ceiling where a light fixture used to be, and someone had removed every single rod from every single closet, and the entire house needed to be rewired, and a former do-it-yourselfer had mixed up the plumbing in one of the bathrooms so that the sink didn’t have hot water but the toilet did. When you’re in love, none of those things matter. Besides, by the time we’d fixed it up and were ready to downsize, we would have increased the value so much, buying it was like investing in our retirement. Right?…Right?

We’ve lived here for fourteen years now. There have been good times and bad. The first few years we got a lot fixed and improved. Window glass was installed, crumbling plaster was replaced with sheet rock. Knob and tube wiring was removed and replaced with safer, modern methods.

Then I picked up more hours at work for the much-needed income. My husband was working long hours as well. We found ourselves with teenagers (which is more time-consuming and energy draining than anyone can prepare you for.) And we moved my mom to town, so I could be close by and take charge of her affairs. Those years will go down in our family history as the Whack-a-Mole Era. Nothing much got done to our house, not even in the way of cleaning, beyond the bare minimum to keep it livable.

Now the two kids, though still living with us, are both grown (22 and 19 respectively.) In a nice development, they have become helpful around here. I have seen my mom out to the end and more or less settled all of her affairs. I still have some of her possessions to deal with, but am pretty sure all bills are paid off and legal paperwork finished. This year, the hubs and I finally have a little time and energy to refocus on our relationship…with the house.

We had three large, dangerously near-death trees removed. We hired someone for that – an expert who told us the locust would have ended up on top of our house or the neighbors’ be year’s end if we hadn’t called him in to take it out.

The sexiest and most exciting project involved getting a shed, a carport and – drum roll – solar panels. We are on solar energy, as of about seven weeks ago. Remember how I said the grown kids have become helpful?

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That’s my husband in the green and my 19-year-old son behind all the hair, installing the first solar panel.

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All solar, baby!

My husband is trained in electrical systems, so he knew what he was doing. We did have a licensed electrician put in the new meter and hook it all up.  It’s fun to go outside and watch the meter run backward on a sunny day.

 

 

 

 

 

Our next project involves fencing. The west side of our house has been pretty much a mess. One of the trees we got removed had been shading an area over there more than I realized. After it was gone, a new jungle sprang up. I got about half of it cleared out this weekend, along with some other yard work, including an epic battle with a sticker bush. Once it’s all out, I’ll figure out what to do plant-wise in that spot, but we already know we’re putting in a fence panel to give us some privacy from the next Google Streetview car that comes along.

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Yesterday morning, the top half of the photo looked like the bottom half.

 

Farther back along that side of the house we had an old, rotting, falling down wooden fence covered in various vines and weeds. We’re replacing that, too. In an amazing feat, the hubs cleared it all away in two days.

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Half the fence and overgrowth gone.

 

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Ready for new fence panels.

I’ll post photos when the new fence is in. Right now, the spouse and I are in the midst of a decision about buying vs. renting when it comes to posthole diggers.

 

My Baby Off to the Jury

Sniff. Yesterday was my baby’s first day of jury duty and I didn’t even manage to get pictures.

I guess I have to admit my child really is grown up when they get summoned to sit on a trial. And I don’t get to go along to offer moral support or take pictures of how cute they look sitting with the group in the courtroom.

This was federal court, too, so not even in our city. They had to drive to the state capital, thirty-five miles away, where the U.S. District Court is located. During rush hour. On the morning when a lot of out-of-town visitors were leaving after eclipse viewing.

As it turns out, after half a day of vetting, my kid was not selected and got to come home. I have received jury summonses approximately every three years going back to the dawn of time, yet never actually had to report to a courthouse. I’ve only had to make the phone calls to find out whether to go. So I was full of questions.

Thing 1 (nickname for my firstborn) reported that the case was “Some old super rich guys suing each other because no amount of money is enough for them.” It was a property dispute of some sort. Apparently many high-paid attorneys were involved on both sides. Thing 1 was dismissed when the judge asked if anyone in the jury pool felt uncomfortable with the amount of money being sought – $80 million dollars.

So, there we go. Another milestone achieved. I need to remember where I put the baby book, so I can write it down.