So in my last insurance post I told you about the drama with my claims for therapy. Today I want to talk about my claim for rehab.
Before going to rehab I checked with my insurance to find out what sort of coverage I’d get. I was told that so long as I got pre-authorization I’d have my standard coverage. That meant that once I met my deductible they’d cover 70/30 of the allowed cost, and when I reached my out of pocket limit they’d cover 100% of the allowed cost.
Well, the rehab was really good about getting the pre-authorizations. First they covered two weeks and then it went on a week to week basis. I got the authorizations for my entire stay.
Once I got home, it did take time until I got the invoice from the rehab, but once I did, I promptly submitted it to AmeriHealth. I didn’t hear back from them for over a month. I had already gotten responses on my therapy claims that I had submitted after that claim (all of which were declined…). Continue reading Pet Peeve: Insurance (continued)
It’s official! Insurance is just a scam.
OK. I’ve just about had enough. This is the saga of the 2015 mess of insurance.
When I got my last two jobs, when it came to getting health insurance, I took out a private policy. The first place wasn’t big enough to require offering insurance (and they didn’t), and my current place doesn’t offer out of network coverage on their insurance plan. So I bought a private policy. It’s how I pay for therapy. I could never go for therapy otherwise.
Well, I don’t know if you’ve heard, but there’s this “healthcare reform”. And a reformation it most certainly was! Aside from all that changing, my insurance company (AmeriHealth NJ) decided to revamp their system for 2015. Continue reading Pet Peeve: Insurance (Any surprise in that?)
I can’t believe I completely forgot about this blog. It’s been more than a year. So what reminded me, you ask? Simple. Someone contacted me about it. And I’m glad they did. I’ve got so much that has happened over the past year. I really hope to keep this going.
Some things that came up over the past year (or so!):
- Car trouble
- Brother’s wedding
- Sewage backup
- Archery lessons
- Insurance headaches