I am only 25, so have not had a lot of experience with medical bills. I have been on my own insurance since I was 21, but luckily have been relatively healthy until now. Now we are starting to have medical expenses. And I am going to make sure I stay on top of the medical bills. I actually work in health insurance, so I understand everything regarding my plan etc. I am very adamant about making sure that everything was received by my insurance, processed correctly and my portion was paid in a timely manner.
I had a dental cleaning/checkup at the beginning of Oct and the claim was still not received by my insurance by the last week of October. So I called the dental office and made sure they were submitting the claim (the rep told me she didn't know why it wasn't submitted). It was now received and I was happy to see it was paid in full, and I did not even have a copay.
We also have 4 seperate medical bills that I am waiting to come in. We have a Health Reimbursement Fund (HRA) that had $380 in it (this is money put in by my employer) so that will help cover some of the bills. I estimate once everything is in and the HRA has been used up then we will owe about $400 (our plan applies everything towards our $2500 deductible, once that is met then the plan kicks in....next year it goes to $3200 ) We have the money in savings to cover this, but I am hoping to get some OT at work in the next couple of weeks to cover the bills. Have to wait and see if work is offering OT or not....
Medical Bills
November 5th, 2009 at 11:35 pm