Dealing With Health Insurance

This may have happened to you, it sounds crazy but this did happen to me and I want to tell you about it. Ten or twelve years ago I was having these many strange symptoms about every two weeks or so. They were mild so I did not take them too seriously. At the top of my game I felt extremely healthy, had a great job and great health insurance to go with it.

These symptoms flared up one night after being out for dinner and drinks. It was around 5 a.m. when I woke up to a serious abdominal pain, nausea and dizziness. Sweating and completely pail I made it to the bathroom. Moments later I found myself on the bathroom floor and remember feeling so bad that I passed out.

I was referred to a doctor by a good friend and made an appointment to get this figured out. A month later still no answers and at the expense of many exams and test. He seemed pretty competent but I still had not gotten any answers and began to doubt if he knew what he was doing. When it was all said and done I got a clean bill of health but no real answers to what I had experienced.

A few months later I ended up leaving my job and canceling my policy. I started a new business and acquired a great inexpensive group rate for health insurance. I begin to get all these bills for tests and from labs clearly an oversight on he doctor's office. I don't think nothing of it but they continue to pill up. I finally loose it when I see a bill for the doctor visits. Well the phone calls start coming and they are actually getting nasty with me. This is when it starts to get intense. I will spare you the details and try and make a long story short. This is what my take is at what went down. They must have never filed and when they finally did I had already canceled my policy and of coarse the insurance company denied it. They had many excuses, for example, I never gave them any insurance information or their billing service screwed things up. They actually tried to file with my new insurance company but that did not work. One of my test at the hospital was covered which proved that I had coverage at the time.

I can go on and on about this medical roller coaster ride but I am going to make a long story short. Bottom line is that they never filed promptly to the insurance company and the office just thought it would go away as if none of it was covered. Once they filed I was already gone from that insurance company and they got everything denied. They blamed it on all kinds of things at first, an employee in billing, I gave them the wrong information, etc, etc. I knew they were wrong but what about all the test bills from their outside services, they were coming after me. The hospital visit was covered only because I filed with them at the front desk and that was my proof. Needless to say they were trying to collect for about six months before they ended up closing there office. For a while there I was worried. My symptoms cam back and it ended being diabetes and yes my insurance is covering it.