or... maybe why not.
Today I got my insurance statement in the mail. It's basically an explanation of benefits for the past 2 weeks worth of claims. The total amount that WE owe on it is $3,381. The last three statements have together totaled $733. This means that within 10 weeks we have had enough 'medical charges' to be billed $4,114. This isn't SO bad, because we know that from here on out our deductible is met and our insurance will be picking up 100% of all in network activity on our account. And better yet, we shouldn't see a bill for $75 of the 'extra' which was applied to our out-of-network deductible because we see that provider through CMS. They cover whatever insurance doesn't, thankfully.
But wait... our Super High deductible is still only $4,000... and then there's $75 for the out of network doctor... so what is the other $39 from?
Oh, I loved to learn this. My OB doctor sends out his labs. To an out of network provider. Oh yeah, and so does our hospital. Seriously.
Right now that is $39. Not a huge deal. Not even a big deal really. Money that we'd much rather not pay out, of course, but not money that will keep us from buying groceries or from getting gas in the car to go to school or work.
But. But my OB will continue seeing me every 4 weeks until the last trimester where he'll see me sooner. And if he needs any more lab work, up goes the cost. And the hospital, well, thankfully I don't generally do the kids' labwork at our hospital because I take them to a children's hospital (but this claim was a urinalysis, not necessary to go to a children's hospital an hour away for that one...). In 5 1/2 months I will be giving birth in that hospital, though. Myself and our new child will likely both have lab work done. Billed to this out of network provider. And there's probably nothing I can do about that.
Oh, and just for fun, labwork doesn't even go toward an out of network deductible, which I won't mention the amount of that number because I don't want you to spit your coffee onto the screen. Lab work is only considered part of the plan if it's done by an in network provider.
Looks like I'll be on the phone tomorrow. I don't want $39 to gain any zeros during the year.
We have a love/hate relationship now, us and our insurance. SO GLAD we have it at all because they will eventually pay out something. But YIKES that it's only March and we have over $4k in bills...