Insurance. My oncologist called at 2:15 the Tuesday before my last chemotherapy telling us that the insurance hadn’t paid for anything even though the insurance company was saying we were covered.
The oncologist was ready to refer us to a cheaper center. (This made me mad. I dislike the assumption that I cannot afford something when there were many ways in which we could have worked this out with everyone getting paid properly. It is good DH was the one dealing with this. Funnily, both he and I came up with the exact same solutions if there had been more issues.) At this point, the options were, float the money (thousands) to the oncologist, go to the unknown center, or, delay chemo a week to see what the devil was going on.
DH was left alone to deal with this as I had just gone off to the chiropractor and to run some preparatory errands. He got on the phone to the customer service number to try and figure out what was going on. Each person he talked to told him that, yes, indeed, I have coverage. No one could answer what was going on. Well, that is, until he had been transferred 7 times. On the seventh transfer, he found someone who could look into it.
I walked in the door and was greeted by this. Of course, this was not enough of a distraction. DH has a friend who is having major medical difficulties, and the “Check This Person Clause” had been invoked over instant messenger. It seems that folks were very worried that the news that the working diagnosis (for a year) was no longer the working diagnosis. Somehow, between phone calls, DH had managed to go over there and check on him “without him knowing that we asked you to check on him.” (I don’t know why people don’t want others to know that they care about their friends. I think it is a guy thing.)
So, DH instructed me to create a login so we could see my claims. (Yet another misinterpretation of HIPAA causing undue problems. Even though it is DH’s policy, each person has to have a separate ID. No other policy I have ever had did this. It is stupid.) We were shocked to open several “finalized” claims to see that they had been finalized to $0.00 USD. Yes, zero amount had been the amount paid and finalized as if covered. The insurance company had, somehow caused my name to become disassociated with my policy.
I still showed up as being on the policy in most places seen by both the insurer and the medical professionals. I even had the coverage. But, somehow, claims were being put through at zero dollars. No one who was involved in this had ever seen anything like this fiasco before. As usual, I found something new to cause issues.
Now, lest anyone think it was easy to get this figured out. I had to have the doctor, his biller, DH, my case manager nurse, and DH (worth mentioning twice as he was on fire), haranguing these folks since I was scheduled for my final chemotherapy within 48 hours!
They are still sorting the mess they made out. This was 100% the fault of the insurance company. They even admitted it was 100% their fault. This was not the first mess up to happen due to their IT systems not being very well managed. I have had to inform other providers that they are redoing all the claims from August forward due to this mess!
As to the friend? He seems to be doing ok despite having his medical situation suddenly get more complicated again.
I will tell of the final chemotherapy at another time. I expect that DH may comment on this post since he has a better grasp of what happened than I do since, well, I had to take dexamethasone the next day and that just makes me nutty.
Note: Yes, the reviews are a bit wonky at the moment. I haven’t gotten a chance to fix them as I’m still recovering from the Final Chemo That Was.