Here's what's going on. I'm 23, and a full time student, so, thankfully, I'm still on my dad's insurance policy. When I decided to have the surgery and we found out that the insurance company covered it, he said he would pay the deductible, a mere $250.00. So, that was all well and good, I had my surgery, the deductible was paid, and everything was taken care of...or so I thought. A couple weeks ago, my dad got an explanation of benefits saying that my surgery wasn't covered (even though I was told that it was) because I've exceeded the limit of bariatric surgeries...which is limited to once per lifetime. Yeah, I've never had any kind of surgery before, aside from having my wisdom teeth removed. So, I call the insurance company, and they have no idea what's going on. They can't explain it. I'm still waiting to hear back from them because the woman I talked to said that she had to contact their claims department to see if they could figure things out. Today, I get a call from my hospital's eligibility department. The conversation started with them questioning whether or not I even have health insurance. When the woman on the phone finally agrees with me that, in fact, I do, she states that my surgery was not covered and that I need to submit some kind of application (I don't really know what that was about. I stopped paying attention because I got flustered and upset). I told her I'd been in touch with my insurance company and they were sorting things out. She gave me a phone number that I could call if I wanted to do this application thing. I know this post is going to make me sound incompetent and possibly like a whiny bitch, but seriously, I don't understand how this could have gotten messed up so badly. How could they think I don't have insurance? How could the insurance company think I've had bariatric surgery before? How could I be told I'm approved and then, after the damn surgery, be told I'm not approved? Do they want the stupid band back? Because this crap is really upsetting me and I'm starting to wonder if it was even worth it. It's a freaking piece of rubber. If they want it, they can have it and I'll do this weight loss nonsense by myself. I don't care. I'll never be as hungry as I was on clear liquids, so that could be my means of controlling what goes into my mouth. I just don't understand why they would do the surgery if there was even a question about whether or not I was approved. My dad seems to think that there's no reason to worry. "We'll get it straightened out, and if we can't then an attorney will." Such the optimist. I've always been the worrier in my family. So much so that I used to make myself sick over stupid little things. But this isn't a stupid little thing. This is a giant amount of money that I just don't have access to. What if I really do have to pay out of pocket for it? I have school loans and a house loan to pay off. I'm not even done with school. I'll still have another 3 grand at least, added on to my debt. So, what if they really do want 30 grand from me? I can't take out another loan. If did, I'd feel guilty about marrying my boyfriend (no, we're not engaged yet, but we will be soon) because I wouldn't want to share that debt with him. I'm sorry for the crazy rant fest. I just feel pretty helpless. It's annoying.
Side note: I'm still having potty problems. Benefiber tablets don't seem to be working quite as well as I had hoped. Maybe I'll try Miralax? I know that's the reason for the stall on the scale. When I go for my fill on Friday, I don't want them to be upset with me for not losing any more weight. Sigh.
Oh, and side side note: finished The Taming of the Shrew, The Old Man and the Sea, and Old School. Have I said that this semester is awful? This is how I'm feeling right about now...
I've successfully wasted my break and now it's time for my last class. Hope everyone has a great day <3
4 comments:
It'll work itself out, don't stress. That won't help the potty situation. If your dad isn't worried, you shouldn't be either!
I'm also a terrible worrier, and make myself absolutely crazy with fear over things like this (I'm having a similar-ish problem with the student loans company) but just remember to take it one day at a time. Remember that in each moment, there is nothing to do but just be and take it from moment to moment. Obviously you can't give the band back, it's yours - use it and you will be so successful! You've already lost 19lbs!! I'm sure it's just a mistake, so many companies just seem completely incompetent! I'm thinking of you, as someone who truly knows what it's like to worry. On another note, I read the Odyssey for my degree and LOVED it, plus have always loved Shakespeare - though of course having so much reading to do and not enough time does take the fun out if it! xxx
I'm so sorry you are going through this! I'm sure they will get it figured out and realize that they made a mistake!
I am sure it will be straightened out as well! I know its hard not to be but I wouldn't be worried...insurance companies always mess things up it seems like and hopefully there was just a MAJOR miscommunication and once the right people on both the hospital and insurance end figure out what's going on, it will be okay. You can't go back, but can only move forward and deal with whatever happens as it comes along...you have your band and have had success with it, & your health is the most important thing! Keep us updated!
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