Wednesday, April 14, 2010
Woe Is My Wallet!
Recall from a previous post that I had my banged-up knee MRI-ed.
The procedure wasn't fun, the results were inconclusive, and....
My HMO rammed me on the co-pay!
What should be the co-pay on a procedure that has to cost less than $1,000 now?
They sent me an eye-popping $500 bill and apparently that's what I owe despite paying around $11,000 annually for a family health plan!
I've had MRIs in the past and NEVER paid such an exorbitant amount. Perhaps $100 at best. Heck I think my surgery co-pays have never been more than $100.
And I must say, I've noticed that the bills from dentists and doctors have been getting waaaaaay more aggressive. Seemingly the very next day after any kind of appointment, our mailbox gets spammed with bills regardless whether or not the treatment was covered by our insurance. Surely, many of y'all have also noticed an uptick in aggressive billing.
It's standard, right? They always make you sign that paper agreeing to pay any amount not reimbursed by your HMO. BUT it's never that much or that often in play. From now on I'm going to be a whole lot more careful, a whole lot more financially dilligent before undergoing any medical procedure.
The next time I need an MRI...
I may just walk-in and try to slip the technician $250 cash!
For background, see - Woe Is MY Knee.