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.