After the scare last week about not getting the disability paperwork in on time so that the paychecks keep rolling in at Chez Sluggy, Hubs got an envelope in the mail from our insurance company.
This wasn't in the packet of EOBs that came separately, the size of which could chock a horse.
No this EOB came under separate cover.
And just look at the amount of this bill..........!!!
Gulp!
Merry Christmas! lolz
This was not for the ER visit stuff or the X-rays, CT scans, docs, etc. or the surgeon and anesthesiologist fees.
This was for the use of the OR, drugs, equipment and the subsequent 1.5 day hospital stay(2.5 days if you count the day between being admitted and when they actually performed the surgery), nursing costs, meals, etc. while there.
ER costs that have been billed amount to $2321.00 so far. According to the insurance company's website there is another $6290.00 of charges on there for the EOBs that haven't arrived in our mail yet.
If you are keeping score we've got $95,626.82 in medical charges so far for his accident.
Add in 3 home health nursing/OT visits, the suture removal next week and then numerous Physical Therapy sessions in January to look forward to.
yay.......
Luckily(I guess it's lucky?)we hit our maximum out of pocket for 2016 so everything so far is covered 100% and we don't owe a penny of co-insurance/co-pays for any of this. (Add in $10K+ in charges for the Daughter's last back injection in November that was no cost either as we'd hit the maximum OOP before she had that procedure done mid November.)
Come January 1st, we are on the hook 100% for the first $3K in new medical charges out of pocket in 2017 and then 10% of each bill for co-insurance charges.
Goody.
I can't even imagine having a major health event without medical insurance! No wonder medical debt is the number 1 reason people go bankrupt.
This was just broken leg(albeit a really bad one). What do they charge for an organ removal/repair or a heart attack/stroke?
Sluggy
This wasn't in the packet of EOBs that came separately, the size of which could chock a horse.
No this EOB came under separate cover.
And just look at the amount of this bill..........!!!
Gulp!
Merry Christmas! lolz
This was not for the ER visit stuff or the X-rays, CT scans, docs, etc. or the surgeon and anesthesiologist fees.
This was for the use of the OR, drugs, equipment and the subsequent 1.5 day hospital stay(2.5 days if you count the day between being admitted and when they actually performed the surgery), nursing costs, meals, etc. while there.
ER costs that have been billed amount to $2321.00 so far. According to the insurance company's website there is another $6290.00 of charges on there for the EOBs that haven't arrived in our mail yet.
If you are keeping score we've got $95,626.82 in medical charges so far for his accident.
Add in 3 home health nursing/OT visits, the suture removal next week and then numerous Physical Therapy sessions in January to look forward to.
yay.......
Luckily(I guess it's lucky?)we hit our maximum out of pocket for 2016 so everything so far is covered 100% and we don't owe a penny of co-insurance/co-pays for any of this. (Add in $10K+ in charges for the Daughter's last back injection in November that was no cost either as we'd hit the maximum OOP before she had that procedure done mid November.)
Come January 1st, we are on the hook 100% for the first $3K in new medical charges out of pocket in 2017 and then 10% of each bill for co-insurance charges.
Goody.
I can't even imagine having a major health event without medical insurance! No wonder medical debt is the number 1 reason people go bankrupt.
This was just broken leg(albeit a really bad one). What do they charge for an organ removal/repair or a heart attack/stroke?
Sluggy
