From Adulting and Screaming to #AdultingandWinning

From Adulting and Screaming to #AdultingandWinning

New Year’s Day 2017 was a complete nightmare. I woke up, after what I thought was a very adult and responsible New Year’s Eve with my boyfriend (three drinks over the span of six hours!), doubled over in pain. This was not a hangover; something was seriously wrong. After a visit to the local urgent care center, I found out I most likely had a ruptured ovarian cyst. Perfect. Happy New Year to me!

The doctor told me I needed an ultrasound to make sure there wasn’t something more serious going on with me internally. This seems totally reasonable and necessary – right?? Well, I thought so too, but being a semi-adult, I called my insurance company first to double check. They assured me the ultrasound would be covered and to proceed.

Fast-forward a week later. The claim came in the mail. To my surprise, I was expected to pay the hefty price of the ultrasound without any coverage from my insurance company. After a déjà vu phone call with the insurance company, I was assured the ultrasound should have been covered, and they advised I call the doctor to let them know insurance would be footing the bill. I did as I was told.

Fast-forward six months – I was still fighting the claim when collections came calling. I was at my wit's end. 

If the insurance company says it was their bad and the medical expense should be covered, but the doctor still hasn’t received payment and hired a collection agency to get their money, it’s time to be proactive.

I finally decided to stop adulting & screaming and just adult. I contacted a healthcare advocate. Within a week, insurance paid the bill #adultingandwinning.

What's the moral of this story? Sometimes we’re just not adulting right. Taking that one extra step could have made my life easier six months ago. Instead, I spent precious mental energy on a solvable problem. 

If you’re having a similar issue, here are some tips. The HR office at my work provided me with information for the healthcare advocate - Gallagher Claims Advocacy. I’m willing to bet your job can provide you with a contact too (unless you’re a freelancer – sorry!). 

My final piece of advice from this lesson learned: document everything! The insurance company is logging each of your calls, so do the same. Noting dates, times, names, and information provided made finally settling the claim that much easier. 

Happy adulting!
 

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