The other day, I received a bill for a recent mammogram. I was more than a little surprised, because usually, I don't receive bills for healthcare as the doctor's office always files the claim for me.
So I made some sort of joke to Hubby along the lines of if they want to get payment out of me then they'll have to repossess these things.
The very next day, I received my Explanation of Benefits (which is usually a letter telling me what the insurance company has paid for, etc. - basically a receipt). Upon opening it, I discovered that they had denied my claim for the yearly mammogram....
To the tune of $257.00!
Needless to say, I was not too happy. But figured there HAD to be some kind of mistake. Because, my coverage includes PREVENTATIVE care-which is a fancy way of saying "we check you out to keep you from getting sick on us and forcing us to pay even more money for you". For the past 10 years (yes, I've been here for 10 years - go figure!) it always has.
I figured a quick call to the insurance company the next day would clear everything up and between us all; the doctor's office and myself at least, we'd all be happy and well, the insurance company? They would be out $257.00. What the hell. I'm paying into the insurance, aren't I? They are getting my money no matter what - in the hopes that I don't NEED their coverage for anything significant.
After my "quick" call to the insurance company yesterday (which, of course, was NOT so quick - thanks to the invention of "voice activated menus" which NEVER hears what you are saying properly. Which, of course, leads to you yelling your private business into the phone for everyone to hear) I was in tears.
Apparently, without our knowledge, the coverage now only includes a bi-annual mammogram for women of a certain age. Over 50? Great! THEN they will cover yearly testing.
It is apparent that no one has informed my doctor's office of this significant change - since they are the ones that sent the letter nagging me to get in. Nor did they inform the insurance department that also sends nagging letters to remind us of appointments we'd rather not do - but deem a necessity - as I seem to recall getting one from them telling me to go in. Nor did they properly inform the employees of this company of this SIGNIFICANT change to our coverage - since not one person I have talked to about this knew anything about it.
Lucky for the few I told about this change - at least they won't get dinged unexpectedly.
For years (basically for as long as I can remember), we have been told the importance of getting a yearly mammogram after the age of 40. Period.
It has been ingrained into our very souls that "early detection" is the key to survival.
Now? Now apparently, they would prefer that we get sick before we get diagnosed.
And that? Well, that disgusts me even more than the thought of handing over $257.00.
And, yes. I AM aware that lately this blog has turned into a huge "bitch-fest." With any luck, things will change soon and I will go back to my regularly (HA! Yeah, right. As if anything about me can be considered "regular") scheduled ramblings about nothing.