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“I did that insurance paperwork for you.”
PIC woman swooning
However, you still ain’t gettin’ any.
But at least the medical bill will be better than it woulda been if you’d left fillin’ out the insurance paperwork to her.
Please, make someone come and make this moment happen for me.
Yes!!! I do every bit of paperwork, bill paying, retirement planning, etc in our house, but my husband does the medical bills/insurance claims. I used to do them, but I’d inevitably get upset after speaking with insurance companies about $400,000 bills (really!) and denial of service letters. I’d call my husband all upset and he’d say that he’d handle it. Eventually we realized that we could cut out the whole part where I cry if he just handles all the medical stuff which amounts to making insurance companies pay up what they said they would in the first place.
Right now we’ve got a Cadillac health plan that costs us 2500 per month (30k per year). The thing is after one broken bone and a trip or two to the ER and all the non-generic asthma meds, we were pretty much at 30k annually anyway with our old indemnity plans. The high priced one is better for our blood pressure.
$400,000? $2500 per month? Good Lord, am I ever glad I live in Canada.
yup. Our old insurance cost us $600 per month. It had a 10k deductible per person/20k annual maximum out of pocket per family. With active sons, we never had any trouble reaching that amount. That already put us up to 27k each year, and it didn’t count what we were paying for prescription medicine or office visit copays. $60 for Flovent, completely uncovered acne medicine($100+), $50 for specialist office visits (pulmonologist, neurologist, dermatologist, urologist). With our new insurance, the name brand prescriptions and specialist office visits are also only $20, so when we weigh it all out, some years we’ll actually save a few bucks.
O my goodness…what a spoiled brat I am! DS does just about 95% of all household paperwork around here. Guess I need to show a little more gratitude…
It works equally well to replace “insurance” with “passport”, or “renter’s agreement”, or “automated bill pay”.
You must have awesome health insurance! It’s my sincere belief that insurance companies have decided it’s cheaper for them to create entire departments staffed with lots of humans dedicated to the sole purpose of figuring out a way to initially decline most really large claims.
Here’s our experience with medical insurers. First thing you do is call the insurance company and find out why the claim was denied. They’ll tell you they don’t cover XYZ. Then you call the hospital, and they’ll tell you that they improperly coded the diagnosis or treatment. Then you get another denial from the insurance company because the hospital spelled your child’s name differently from the way it’s spelled on the insurance card. So, you call the hospital back and they fix that . Another denial. This time they say they can’t pay for x because the hospital didn’t put y as a diagnosis. So you call the hospital back. Then sometimes you get the big letter from your insurer saying they’re not liable to cover this person whose bill might well be upwards of 100k. Meanwhile, the hospital has sent your bill to collections and the bill collectors are calling relentlessly. When you reach the we’re not covering you no matter what you’re crying and you get your attorney husband involved. He reads the bleepity bleepity policy terms to them and faxes off a copy with the pertinent items highlighted. Finally, the insurer pays the damn bill.
Before we had our current Cadillac health plan, my husband used to let the medical bills pile up. Two or three times a year, he’d devote an entire day to straightening out the mess. This meant medical collections people were calling our house all the time. This is why even today we don’t give our cell phone numbers to medical providers, ever. My husband’s a meticulous man — he’d figure out exactly what we owed and he’d pay it and make sure the insurance company had everything it needed from us and the hospital. Several times, there would be some small amount in question. My husband would be certain we didn’t owe it, but to get the collections calls to stop, I’d pay it. Every single time I did that (I’m pretty sure it was four times), we’d receive a check in the mail six months to two years later for the amount I’d paid.
With adopted children I have done my share of annoying paperwork, including dealing with the social security office. But medical billing is its own special kind of purgatory. Passports, for instance, might take a couple of trips to the post office to visit some obnoxious government workers who like the feeling of having an empire and being The Man. Medical billers make surly government workers look like amateurs.
Thought you were going to say i will do the dishes for you
Wait, are we talking about monthly/quarterly insurance billing paperwork or signing up for insurance paperwork? As a single guy, I just want to make certain to get all the cheat codes that I can… 😉
(I still joke that I need to figure out how to use my KofC life insurance policy as a pick-up line for a potential Catholic wife…)
My wife and I decided to get term insurance together. She had been talking about it and how we needed to protect each other in time of tragedy. We applied and paid for it but, ultimately due to age and health questions she was accepted and I was denied.
She immediately had her policy changed and left to her daughter as beneficiary. I believe that had I been accepted she wouldn’t have dared.
I’ve never liked insurance, particularly life. You’re betting against yourself and God’s love.
I always wanted to put the $$ aside but my wife wouldn’t think of it. She wanted to bet against me.