If you had $1,000 and you could spend it on anything you wanted, what would it be? Maybe you’d plan a little trip. Or possibly you’d purchase that really nice bag you’ve been eyeing. Maybe you’d even want to spend it on a new laptop. But chances are you wouldn’t choose to spend it on bills from your doctor’s office. Oh, but that’s what I just did. I’m still thoroughly confused as to why I enrolled in and paid immense amounts of money for an insurance plan that does not cover “routine services.” But I think it was probably because that’s the plan my school enrolled everyone in, so why my ish wasn’t covered is beyond me. And it’s perfectly clear that the insurance company is not going to offer any information to me. Oh, hell yes I will be writing an appeal. In the meantime, I took out my credit card and paid the frigging bills. Yay credit card points.
God, I love splurging. I mean, as if it’s not already enough fun to get a physical, a “healthy woman exam” (as the insurance lady called it), an HPV vaccine, and blood drawn. Given $1,000 I would no doubt choose to spend it on needles being stabbed into me and such. Honestly, this makes me really mad because I am perfectly healthy and did not NEED to get any of this done right now, but was proactive about my health and figured I had the insurance, I may as well use it. Or else I would have waited until ooh say NOW, when I’m paying over $200 a month for an amazing insurance plan that actually covers stuff (I think, but obviously I don’t know much). I’ve never had a health emergency in my entire life, but always go to my “routine” appointments, so I probably would not have knowingly paid for insurance that only covers emergencies.
Well, I guess I’ve learned my lesson, which is to always read every single freaking packet and piece of paper your insurance company gives you; and if you don’t understand a word it says, ask someone. Don’t trust that because your school is offering the plan, “it must be good.” Don’t let your doctor convince you you need blood work done and you need a vaccine right away. And don’t trust the lady who works in your doctor’s insurance office who signs a little piece of paper saying your vaccine is covered. She doesn’t have a clue. Nor does she care; the one grand isn’t coming from her pocket.
Well, I’m off to go dream about what I could have done with $1,000. And pray that my new insurance covers the $400 for my second vaccination on Monday. I miss the days when my dad handed me an insurance card and dealt with all the paperwork, bills, etc. I almost cried on the phone today with the insurance lady. And then the Lahey Clinic lady laughed at me when she asked for my account number and I said, “Which one?! I have like eight bills in front of me.” At least the Lahey Clinic is a teaching hospital…hopefully they’ll put my life savings to good use.