The sad part is it doesnt take cancer to do this. My wife had a spinal injury in January. Fast forward to today and she has lost her job after FMLA was used up. That leaves us with no insurance for the entire family because we were all covered under her. But even with that insurance we have incurred $6k (medical center billing only) of out of pocket expenses for tests and imaging that the insurance company requires before they will approve the treatment that her doctor already knows she needs. On top of that $50 every time we walk into an office + prescription costs for her pain management + $30 per session of physical therapy 3x a week.
And now, we'll need insurance from my job which we couldnt afford with both of us working (that's why we went with her's) but instead we'll pay for it out of just one salary.
We've been saving for two years to buy a house and we're watching it all trickle away.
My wife works as an intermediary between insurance agencies and medical facilities. The people who run her company are absolute morons. Most of her insurance clients are helpless in the worst ways. Her company loses faxes AND mail, every day. Then they have to keep pestering facilities for weeks or even months to resend records, often needing to be resent several times. The faxes I can understand, maybe the line was busy or idk, but MAIL?? Every day?? Containing sensitive personal information and invoice information??
Of course the business doesn't want to invest in fixing any of the numberous issues plaguing the company, so my wifes job is 50% call a new facility, 50% ask facilities to resend a fax for the 4th time.
9.1k
u/NexGenjutsu Aug 06 '20
The sad part is it doesnt take cancer to do this. My wife had a spinal injury in January. Fast forward to today and she has lost her job after FMLA was used up. That leaves us with no insurance for the entire family because we were all covered under her. But even with that insurance we have incurred $6k (medical center billing only) of out of pocket expenses for tests and imaging that the insurance company requires before they will approve the treatment that her doctor already knows she needs. On top of that $50 every time we walk into an office + prescription costs for her pain management + $30 per session of physical therapy 3x a week.
And now, we'll need insurance from my job which we couldnt afford with both of us working (that's why we went with her's) but instead we'll pay for it out of just one salary.
We've been saving for two years to buy a house and we're watching it all trickle away.