something to sit on~

i thought i'd pass this tid bit along

as you never know

who or possibly when

{hopefully not anyone...but reality will prove my desire wrong}

someone or you may be in a similar situation

as most of you know

i was hospitalized last year

with that came

an overly exceeding amount of doctor visits

which leads to an overly exceeding amount of

BILLS

thankful we have had medical insurance

through all of this

monthly we were paying a nice

400-500.00 a month

from my lovely adventures

 in feb of this year

we forked out almost 6,000.00

to pay of ALL of my remaining bills

sickened by the money gone

but beyond RELIEVED

that i would not be a slave to these bills no more

WELL...here's the interesting part

tuesday i had to have my annual

and i handed the receptionist my debit card

to pay my now 35.00 co~pay

she asked me to hold on a minute

while she picks up the phone

i look down to see

"patient balance" 120.00

{i'm thinking...what in the world is this}

she says a few words

hangs up the phone

and says

you don't have to pay your co~pay

you have a credit with us

when you are done

go speak with the billing department

so annual done

i make my way to the billing office

say i guess i have a credit

but what from

she said YOU OVERPAID

insurance has been processing claims

and i guess you were no longer responsible

i look at her and said

SO...DO I GET A REFUND

OR ARE YOU JUST GOING TO

HOLD MY MONEY???

she looks at me and says

"oh, you would like your money"

WELL YES...YES I WOULD

so refund is in the process

120.00 to be coming our way

well this got me thinking

on my way home

HOW MANY OTHER DOCTORS

DID I OVER PAY

long.story.short

i made many phone calls the last few days

NEUROLOGIST: 60.00

NEUROLOGIST: 30.00

RHEUMATOLOGIST: 60.00

CARDIOLOGIST 30.00

this is as far as i got

before deciding i would pick back up on monday

each one that i called and asked them

if they would kindly go into my account

and see if i had a credit sitting with them

acted as if i had gone of the deep end

only to come back and say

"oh, well yes you do"

and me saying

COULD YOU PLEASE

SEND THAT BACK TO ME

crazy

i was so overwhelmed last year

and could not keep up with the endless

amounts of papers that were rolling in

i did not check

i just paid what said paid

and when i went for office visits

and they asked for my co~pays

well i paid my co~pays

so lesson learned

PAY

C.L.O.S.E.

ATTENTION

to your

INSURANCE BENEFITS

once you have met your

outrageous deductible

{which mind you...i pray none of you do}

but if so

remember

once they start paying at 100%

you are usually then

not liable for ANYTHING

meaning

DO NOT PAY YOUR CO~PAY

have them verify

before you hand over your money

and the not so funny thing is

I DON'T KNOW

 IF I WOULD HAVE EVER SEEN THAT

MONEY HAD I CALLED

because a few of those doctors

i wiped my hands clean of

so a year later

they are going to pay me

NICE HUH!!!