October 12, 2012
I have a daughter that's been going through a very medical season. In order to get her the proper care I need to spend a ton of time on the phone with insurance companies, and even more time following up claim or "EOB's" as they are lovingly called. This stands for explanation of benefits. Finding a provider, finding a provide in your network, getting and authorization, getting an appointment. Guess what, I'm not the only one with a sick kid! This all takes hours and tons of planning, not to mention the time it takes to care for my child. And then you need to manage co-pays and make sure the right diagnosis was used and that the bill was paid, and paid properly. I have found many insurance errors where many times the doctors office ended up charging me something the insurance company was responsible for. I've filed grievances and won all but one, and that was with my dental insurance. I needed an emergency root canal and was seen the Monday after a weekend of throbbing pain. But, because I was not seen and diagnosed on one day then brought back for treatment, a large portion of my service was not covered because that was the way my insurance wrote up what they would cover. Taking care of one big medical problem in one appointment seems cost efficient to me. Getting it all done in one day was the best way to avoid more pain too. The run around that is necessary to not only stay well but to get the most out of your benefits almost makes you think good health isn't the desired outcome. Send love to all the insurance workers and the participants that work through this stuff daily.
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"What is that odor in my refrigerator "
October is Children's Health Month, and it's full of opportunities to teach your kids safe and healthy habits. Www.Cpsc.gov
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