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The dreaded Explanation of Benefits
Sep. 23rd, 2015 08:56 pmThis year my insurer stopped covering "wellness checks". Only now do I see that, when they say they won't cover it, they mean they won't pay for anything related to assessing how your progress is going with ongoing treatments for things. Which means I am on the hook for the full price of the lab tests for my vitamin D levels, as well as checking my thyroid. And it also means they won't even negotiate a lower price for me to pay. The total for those two tests is $365.58.
And then we moved on to the Wound Clinic charges. This was only for the two trips I made in August, the September ones will be on the next EoB. For these, Medical Mutual slid part of the charges into my deductible for the year, plus used "coinsurance" (have never actually understood the concept of this, other than "another way to screw you over"), leaving me on the hook for $366.40. At least there was only one doctor copay on that, since the second visit was just to see the nurse. And sure, this is MUCH BETTER than having to pay the originally-billed $1,200.00.
I would like to get my varicose veins procedure done this year, since I've nearly met my deductible. But I am not sure I can add whatever large amount of cost that will entail, to the payments I will need to set up for the Wound Clinic charges. At least there will only be two more to pay for?
And then we moved on to the Wound Clinic charges. This was only for the two trips I made in August, the September ones will be on the next EoB. For these, Medical Mutual slid part of the charges into my deductible for the year, plus used "coinsurance" (have never actually understood the concept of this, other than "another way to screw you over"), leaving me on the hook for $366.40. At least there was only one doctor copay on that, since the second visit was just to see the nurse. And sure, this is MUCH BETTER than having to pay the originally-billed $1,200.00.
I would like to get my varicose veins procedure done this year, since I've nearly met my deductible. But I am not sure I can add whatever large amount of cost that will entail, to the payments I will need to set up for the Wound Clinic charges. At least there will only be two more to pay for?
