(no subject)

[same_sky]

How is it possible that I am home all day every day every week now and I still have a to-do list that is a mile long? My baby gives me at least one super nap a day, and sometimes two. Occasionally even three! I don't know how she established this pattern, but she gets up in the morning, goes back to sleep promptly, and sleeps until around eleven. I have the entire morning to do stuff! Conveniently, I am a morning person when it comes to productivity (not when it comes to getting my ass out of bed) so this should be perfect! For a brief moment there a few weeks ago, I thought I was actually going to finish up with all of those things that I need to do. I was crossing things off right and left. And then.. it became time to really contemplate the fact that my in-laws are arriving in September, and we should prepare for that. For one thing, we should hang up anti-creepy curtains in the sunroom. We have agonized over this choice of window treatments since we moved in, but we actually bought curtains last week and have started putting them up. Five out of nine rods are in place, but the curtains all need ironed. (Something else that I have thought of doing this week without actually doing.)

By the way, I was really surprised to find that my insurance company had paid for the delivery appropriately, and with only a few scattered phone calls and glitches. Of course, that was before the $4,300 bill the hospital just sent, claiming that the insurance company didn't pay for anything related to Evelyn's stay in the hospital. Oi. The fact that I have an Explanation of Benefits from the insurance company with the amount paid clearly stated? That means nothing to them. And, I'm sorry, dear hospital, but I am not about to pay you four thousand dollars when the insurance company has already paid you. It just isn't going to happen. You know, I thought having insurance made it easier to pay medical bills. Silly me!

Brag about a baby's super nap and she will invariably wake up early. I hear her talking over the monitor.. best go check on her.

Comments

[carrieb.livejournal.com]

Hospitals suck ass! You probably remember, or maybe not, but we had a huge problem getting our bill paid as well. The insurance company needed a three digit number to pay them the full amount and the hospital refused to give them or me the number until I called every.single.day and sent a registered letter to three different places with a summary of the calls. I have heard that the insurance companies only pay what the whole thing is actually considered to be worth and it is illegal to come after the patient's for th eleft over amount, so they really prefer patients to pay because we have no protections if we don't have insurance. The whole thing is stupid stupid stupid and a major reason we need universal healthcare.

[e11en.livejournal.com]

You have both just reminded me that I need to double check something about Ingrid's broken arm costs that were not covered by insurance. Talk about a huge bill! Between the two emergency rooms, two ambulance rides, several x-rays, consultation, surgery and hospital stay, I think it came to more than $10,000.

Luckily we only have to pay a $150 co-pay for the emergency room visits. Unfortunately we have to pay it to both hospitals. The local hospital, who basically took x-rays and wrapped her arm for the ride up to Hartford charged, the insurance company $1,129.77 for that. Can you believe it?

When you can go online and look at your account and see what they charged, then what the insurance company actually paid, and they took that amount as full payment, it's no wonder that the uninsured are getting royally screwed. For that amount above, the insurance company only paid $215 and we'll pay $150 (when they finally get around to sending us a bill). So what's the deal? Is the hospital eating that $729.77 or do they just over charge everyone by that much? Why should someone with no insurance, who is very likely less able to pay than we are, have to pay that much more than an insurance company does? For the bill from the hospital who actually fixed her arm, the insurance company got a nice $3,000 discount.

I know some hospitals have financial aid and there's medicaid and payment plans and all what not but it's all just enough to make you fuming if you think about it.

[same-sky.livejournal.com]

I know! Insurance is outrageous, both the cost of it and the costs applied to those who don't have it. Where are we and why are we in this handbasket...?

[same-sky.livejournal.com]

Yep, I remember. I know that most people seem to have trouble getting everything fully paid for, so my downfall was feeling slightly smug that it was working well. This is all caused by the insurance company terminating her coverage instead of adding it by mistake. Of course, *I* am the one getting harassed for their mistake. I hate that.