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Indigoblue

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Queen Blue Sky & Golden Light
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Reply with quote  #1 

Insurance...Hospital Billing...Collection Agencies...I don't know who I would like to strangle first!   And who are they blaming?  My doctor; it has nothing to do with him, it has nothing to do with me.  It has to do with the fact that some bimbo employee submitted the WRONG code for an MRI I had for both breasts back in January. 
 
The Insurance Co. sent me a letter stating that MRI's are Experimental/Investigational, duh; I call them, yes, I do have a family history, I am High Risk, I have extremely Dense Breast Tissue, (but not as dense as the brains of the fools who enjoy torturing those suffering through the treatments and tortures of a Triple Negative Hormone Breast Disease, while if they weren't so "cheap", the cancer would have been found long before had an MRI been given in the first place without these petty, nasty, greedy ...  and I have Insurance.
 
I've been crying all day; the Collection Agency representative talked so fast, I could barely understand what the creep was saying.  He refused to give me his number.  I call the Insurance Company, because this was taken care of last June, when I was forced to play three weeks of telephone, tracking down the codes, the numbers, and the Appeals Board.  It was done, finished, and all the Hospital had to do was to resubmit the correct code and they would have been paid in full.  They did not do this.  My own fault, because I didn't think it was right that the physician should be blamed for some incompetant fool's error when I was given an MRI at the Hospital's facility. At my request, the MRI was resubmitted instead of the hospital being forced to "eat the bill", due to their own mistake. 

When admitted to the hospital for the MRI,  I was extremely careful and double-checking to make certain the proper procedures were sumitted prior to the appointment.  With this in mind, the admissions personel or whoever is supposed to taken care of pre-certification, should have said, oops, sorry, this was not precertified, go home.  We will resubmit, and you will have to wait.  Fine, but no...I even called the Insurance Company before I went, and they said all was in order.  But someone submitted the WRONG stupid code, and this puts our credit in jeopardy, not to mention the emotional insults, my foggy brain, and the aggrvation of time and trouble. 
 
Just marvy if I felt confident about the treatment received in the first place, at this supposidly "great hospital".  But the fact is, I should be seeking legal compensation for the lies, lack of care, and ultimately the damages during and after treatment for breast cancer.  I am fuming. 
 
Don't even know who is responsible for the problems, I think they all are, in a way.  I'd like to say to heck with it.  Die, and then see who the collection agency contacts.  My cat?  Meow, my dog?  Wooferooo!  Meow-illions, you say?  Forgive  me, I needed someone to bark at,  Madame.  Return to Sender.
 
All they had to do was resubmit a simple code...and now, it runs through the entire process again, and I feel like I am having a heart attack.  Almost think I would have been better off without the Insurance, and at least I'd be thinking, walking, talking and living, probably with the same odds.  Feeling bitter, and completely out of my mind. 
 
For those who don't have Insurance, it is a CRIME the way this country discriminates against the poor and the needy; and even when you do have insurance, they do their best to make certain you suffer for suffering through a diagnosis of anything other than a stubbed toe!
 
Can you hear my brain sizzling?  SSSSSZZZZZZSSSSSS....
To be continued, after the Billing B- hung up on me after saying, " Have a Nice Day.", (you stupid patient, you!).
 
Nasty, what a nasty business!
 
Thanks for letting me explode...this stuff has been on-going for a while, and after the Insurance Company / or the same hospital=network-group;  someone lost a check for 25,000,00. I spent the better part of May and June sorting that one out; and tore my house apart looking for the lost check.  It finally arrived  two days ago...the check that should have been paid to whom-ever last April.  Is it a scam?  I wonder sometimes, especially those who are too ill to get the i's dotted and the t's crossed.
 
Am I NOT supposed to be upset? 
 
Thanks for letting me rant and rave...sorry.  My dDH decided to vacuum...I think he just sucked up the entire living room...sssputttter, splutttt, spluuuuuuurch, slooooooschuperooooooch! Oh why, oh, why, oh why?  It would be so easy if he would leave the appliances alone and take care of the accounting...he should have been an accountant.  Vac-fuming...he informs me, "I" broke the vacuum cleaner, and it was "all my fault".  sigh....
 
Indi

Fancy

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Angel
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Reply with quote  #2 
Indi, I can relate completely.  My husband went to the Cleveland Clinic before he died.  They sent me a bill for $3,500 and said I had to pay  up or they would sue.  I called the billing department and......well, anyway, ultimately I didn't owe them anything.  And YOU are not responsible for correcting THEIR errors.   Call them again and record the conversation.  Tell them you're doing it!  And then tell them you're not paying for their mistake.  And don't let the idiots get you upset.  It's not worth it.  Hugs to you, sister.  If this were only the worst thing to happen to you.


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the Frog's Princess
12/05 ILC 1C NX M0

4/1/08 Stage 4
and looking for NED
nosurrender

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Reply with quote  #3 
Word up, Fancy!
Listen to her Indi, she is right on.
You don't owe a dime for their mistake. Make sure you let your insurance company know this and a cc to the Ohio AG at the bottom of the letter added for good measure.

Do this all by snail mail that is registered return receipt requested too.

And if the collection agency calls you and says, "This is our final request for payment." simply reply, "Oh good! I won't have to be bothered by you anymore!"

BIG HUGS
love,
g


__________________


WE WILL PREVAIL





Karen1956

Goddess Forever
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Reply with quote  #4 

Indi and G are right - you need to muster up the energy to keep up the fight.  Just a story that happened to us - Around the time of my Dx, I got a quite large bill from the hospital for S/L services Leah was receiving from a private therapist - Leah was seeing her at the hospital office- but our insurance does not cover S/L.  The therapist did not know the hospital rate for "uninsured".  She would never charge what we were billed.  At that time I had less than zero patience - they charged over 900 and I was able to get the bill down to 300 or so and this was just slightly more than what the therapist was charging.   The hospital said that they had to charge that much due to something like people who don't pay, medicaid and the likes.  I was not very nice, but keep my voice calm.  It was not my problem that the hospital needed to cover for these things.  I don't remember all the details as I had other things on my mind.  I think this had also started to go to collections, but I was able to get them to back off and deal with the hospital (either that or it was another bill for DD but who remembesr!!!) BTW - the therapist started seeing Leah at  her home or other office and she has done this for free or atleast I think free as she has never sent us a bill.   Sorry for droning on so long about this, but I think it shows that you can fight "city hall" or in this case the hospital billing.   But you can negotiate payments even you end up having to pay something.  Don't let them get the best of you.  You are stronger than that.  They need to fix the billing code. Can you get your insurance company involved?  What about the doctor who referred you for the procedure - would they help?  Hang in there - Hugs, Karen

ShirleyHughes

Wild Woman
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Reply with quote  #5 
Indi, geez what hell they (whoever "they" are) can put us through.  I never had problems with insurance.  However, I believe my turn is coming.  I hate my new insurance.
 
I feel sorry for people who are so worn out from therapy and THEN they have to put up with this TOO!  I so angers me!
 
I don't have any advice, but Gina and Fancy do.  Do what they advise.  They're the smart ones.
 
Good luck with this who mess, and don't let it get you down!
Hugs,
Shirley
Indigoblue

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Queen Blue Sky & Golden Light
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Reply with quote  #6 

SHERLOCK, Shirley,
 
Those words could be a real "grabber" as a HEADLINE for a news article.  You don't know how gifted you are, but WOW! You always say it well, and you write it like it is!

Hi everyone,

It's been a long week.  DH had his colonoscopy, and now it's my turn to feel sorry for him.  Meanwhile, I drove him home on the freeway, and didn't have a bad time.  We returned home safely.   I have spent the better part of the week making every employee in the "big city hospital system", fuming mad at me.  I was bound and determined to get to the bottom of why the constant annoying bill collectors, for a bill I never received.  The "Privacy Act", gives we the people, the right NOT to know who is harrassing us for bogus bills owed.

As I was sorting through piles of information searching for the knee ex-rays, bone mets, and endless "knee" information, I came across an itemized statement from another "hospital" where I was life-flighted.  I also came across my current Mammogram/Ultrasound Reading Radiologist's Business Card.  The Itemized Bill and her Card had the same Logo and picture.    Many phone calls later, to the Collection Agency, the Supervisor of the Hospital, the Receptionists, the Oncology Clinic's Business Dept, the poor Scheduling Personnel whom I love dearly, and back to the Radiation, Insurance, and OMG, I finally SQUEEZED the truth out of the operator who answers the calls at the Hospital, "Is there a SEPARATE BILLING EN-TITTY, for the Mammograms, MRI's, and Ultrasounds, etc.?".  " Oh, yeah, you want the number?".   I called.

The gentleman (punk!) whom I talked to said, "claims were filed!", and he's clueless as to why the separate facility, (part of the hospital}, doesn't tell patients they will be BILLED separately.  He claims the people who read the mammo's and MRI's as well as the Technical facilitating parts of the BOOB HOUSE, lol, are all covered by a different Billing (Donald Duck?)  agency.  So it was the mammo-gram-crackers, who sent the bills to our insurance company, who must have thought the codes were incorrect because they didn't know about the "separate en-titty" Billing procedure.  Nonsense!!! 

I gather that's why patients attempt to under-go surgeries and the "big money" procedures in November and December.  Their deductible has been met, and the Insurance pays for the entire procedure, no strings attached, (news to me!)    It explains why it's impossible to locate a doctor willing to do surgery before January 1st. Someone cancelled their "breast augmentation", at the last minute, and I was lucky; and very agreeable!  It was an aggressive lump, and growing, "please get it OUT!".  I'd deal with the tough stuff later! 
 
If you're planning a surgery before New Years Eve, it's like booking a round-trip flight to Santa's Workshop, before the big shopping week in December.  Employees and Doctors are NOT happy about having to work when half the docs are on their way to the Carribean. The Operating Rooms are "booked to the North Pole and back again. 
 
In any case, my MRI and Digital Mammogram were performed on January 30 of this year.  Between the Insurance Company, the Billing Procedures, the crazies, and the professional business people running this scam...there has to be a scam somewhere, since it's almost August and everyone is paid.  All they had to do was pick up the phone and call.  Or send a letter to us explaining they are a separate billing service and we need to contact our Insurance Company.  Simple, right?

In our case, why didn't anyone mention this little glitch. Doesn't the Hospital Billing know about the Mammo-MRI separate billing procedure?  With our current insurance plan they would have been paid-in-full immediately!   No problem, because we're in a community-bank plan, designed to offer savings or cover emergencies and prepayments  and added expenses, should something happen (like breast cancer or a bleeding hernia). 

Being a "new" (take-it or leave-it insurance plan) I was worried at first.  It wasn't that much money, the greatest $$$ for the MRI was fixed when the correct code was applied; the skimpy amount owed after all was said a done; probably cost more money to hire the Collection Agency than the amount paid.  That get's my "Scotch and Irish" up and out of control  So sorry.   it was the aggravation, the no-warning, why didn't the twit call me in the first place?  He said he sent 5 notices to us.  Come-on. 

Well, as far as I know it's done.  I am praying to the Lord, pa-lease, get me into University Hospitals.  Please, please, please.  Having pain, and so many issues.  I want to drive again, and  even though I had my "trial run",
don't want to risk it.  Missed my Bone Surgeon appt. because DH is really suffering today from the Colonoscopy.  It's the gas, bloating, and fasting for two days, and now he's just a weak, fatigued, achy little puppy.  It's difficult to feel sorry for him, BUTT, I do.

Love you all,

Indi 



Fancy

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Angel
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Reply with quote  #7 
Indi, I am happy you got to the bottom of this charade.  But I'm not happy that it cost you so much stress.  That's not good for you, girl.  get a grip.  Just because THEY screwed up doesn't mean you have to go into orbit.  Call your insurance co?  That's what they get paid for.  Let them earn their $$$ for a change, say I!




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the Frog's Princess
12/05 ILC 1C NX M0

4/1/08 Stage 4
and looking for NED
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