Insurance Premium from 1/10 to 7/10: 1167.90 Wellmark Blue Cross/Blue Shield
My Portion is the $ amount in ( ) at the end:
10/19/2009 Co-pay for visit/x-ray: 30 Iowa Clinic
10/20/2009 Co-pay for CT Scan 30 Iowa Clinic
CT Scan full charge 730 (512.00)
10/22/2009 CT Scan/diagnosis? 582 Iowa Clinic (496.00)
11/17/2009 Consult w/Pulmonologist 120 CIC (100.00)
11/17/2009 More charges??? for CIC 402 CIC (62.50)
11/19/2009 Follow up w/Pulmonologist 95 CIC ( 95.00)
11/30/2009 Lung Needle Biopsy 5881.42 Mercy Med (892.20)
11/30/2009 Pathology Report for Biopsy 842.00 Path Assoc. (175.60)
12/04/2009 PET scan 4211 PET Co LLC (2097.00)
12/07/2009 Consult w/surgeon 162 Iowa Clinic (50.00)
12/11/2009 Iowa Radiology 29 Prof. Component? (6.20)
12/12/2009 IA Radiology 36 Prof. Component (7.80)
12/11/2009 Anesthesiologist 3120 For Surgery (0)
12/11/2009 Surgery 3020 Surgeon (0)
12/18/2009 Visit from Chemo Doc 141 Dr. Morton (0)
12/17/2009 " " " 97 " " (0)
12/16/2009 " " " 141 " " (0)
12/15/2009 " " " 141 " " (0)
12/15/2009 Visit from Radiation Doc 447 Dr. T (113.60)
12/11-12/18/2009 Hospital Stay 45,988 Misc. Hosp. (440.70)
12/16/2009 IA Radiology 516 Prof. Component (83.60)
So far, my bills total about $5200 for my portion. Thank Heaven for insurance. When I got this insurance, I just wanted to make sure that my yearly physical was paid for. Shoot! I never in a million years thought I would ever USE it for anything more than well care.
My thought: there is something wrong with insurance vs. self-pay. If you have insurance, you get all these discounts; for instance, the hospital charged $45,988 but there was a network savings because of insurance of $27,309 so the health plan only had to pay $18,239. But, if I had NOT had insurance, I would have had to pay the full $45,988. That is why I say: Thank Heaven for insurance! Even with a $2500 deductible as well as $2300 yearly premium....
I do believe the above may be all the bills I receive. I may have some follow up from the surgery, and of course, I will get hospital charges for the chemo and radiation once that is finished. I have no idea how much 6 months of radiation and chemo will cost. I know that since it is a "new year", I will have to meet the $2500 deductible again.
Have a wonderful day.
1/21/2010
5:09 a.m.
Thursday, January 21, 2010
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I say forward your bills to Obama.
ReplyDeleteYou should haggle with them - when they give you a bill of,say, $5,000, just say, "$5,000, eh? Does this include tip? OK, look - I'll give you $750. No? Fine - here's a coupon for 35 cents off Shake 'n Bake. Now I owe $4,999.65!"
Those are horrific numbers, though. I like the "More charges for CIC" entry - what, just tossing in a bit more? Sounds like they're piling on - ask them if you can work it off. Or tell them, "If I put the needle in myself, will it come off the top?"
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ReplyDeleteSo far the cost of your "pity party" has been $66,761! Wow mom, you sure know how to drop some dollars!
ReplyDeleteThe crazy thing about insurance is that most doctors offices usually rip off insurance companies sending them higher than normal bills. That's why they say Health Savings accounts are so much better because consumers actually find doctors based on prices rather than just going to whoever.