I think pretty much everyone knows that I had my adorable and perfect baby Penelope way back in April. I knew full on when I had her that we were going to have some kind of balance to pay. I have never, EVER missed a payment on anything, let alone the hospital. I have always paid my balances long before any payment plan was to come to term and 98% of the time I have paid my balances in full on the first statement.
We have health insurance, obviously, but it doesn't cover much at all. Our deductible per year is actually $9,000 for family.
Let that sink in.
That is over and above what we pay out of each of Matt's paychecks just to have the insurance.
Tell me where this is a "benefit" to us?
So I have a hospital bill for Penelope which is about $1600 that we have to pay, and my bill which is about $4500 that we have to pay. Thankfully, Matt has an HSA through work and that was enough to pay Penelope's bill in full and a portion of mine. Not much, I still have to come up with $3000 or so, but it's better than not having the HSA at all.
Today, after these checks were cashed (according to my bank account) the hospital billing department calls me to tell me that unless I can pay $700/month, they are going to throw my account into collections.
EXCUSE ME? Are you fucking serious?!
You're telling me, a customer that has never had a negative mark on my account and who JUST MADE A PAYMENT, is going to collections? Meanwhile we have people who just don't pay their accounts at all? I'm being punished because of them? Are you kidding me right now?
Then she, after picking up on my dead silence as I'm trying to count myself off the ledge, starts asking, "Well ma'am, if you can't afford that, what CAN you afford?" Um, I don't know. You see, our bills vary every month and I send everything I can. I don't even have a savings account anymore- it is gone except for the $5 to keep the account open. My credit cards? Maxed out. I am literally barely treading water over here, so fuck you and your collections threat. You'll get what I can afford to send you. She even said I already had a negative check on my account because they mailed my bill to the wrong address. An address I have not been at for over two years. My hospital and insurance records ALL have my new address so quite fucking frankly, I don't understand how you can screw that up at all. I've been getting bills all along to my new address so tell me why your fuck up is now my negative mark?
Don't even get me started on the over the top charges for a pediatrician that we NEVER SAW, or the doctor who supposedly checked me out and one never came. I didn't see an OB my last day there. I only saw a nurse, in the hallway, who told me I could go and just to pick up my papers at the desk and have someone walk me out. Nobody walked me through discharge. I did my own discharge but you better believe I'm getting charged an over the top amount for it.
I just... I can't keep doing this. I'm just so tired of it, you know? I just... I just want a break. I see people who blatantly use the system- they lie to get as much as they can and I cannot bring myself to be that person no matter how broke I am. I refuse to be deceptive to get a break. I just can't. But it's those people that just get everything. They get all of the help from governmental agencies and I'm eating cereal for dinner and trying to stretch a gallon of milk. I feel defeated.