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    RL Peeves

    Scheduled Pinned Locked Moved No Escape from Reality
    974 Posts 85 Posters 269.8k Views
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    • PavelP
      Pavel @Solstice
      last edited by

      @Solstice That’s… fucking bonkers.

      “Yeah you gave us your Visa card, but you usually use your Amex, so we’re billing that instead.” What the fuck?

      He/Him. Opinions and views are solely my own unless specifically stated otherwise.
      BE AN ADULT

      1 Reply Last reply Reply Quote 1
      • G
        GF @Solstice
        last edited by

        @Solstice I feel like the estimate provided to you ought to be considered binding somehow. Would you have had the surgery there if they’d told you the surgery would be twelve thousand dollars instead of eight hundred?

        1 Reply Last reply Reply Quote 2
        • TNPT
          TNP @Solstice
          last edited by TNP

          Not just to @Solstice but everyone…

          I’m in medical billing. And yes, if you have multiple insurances, they talk to each other and figure out which is primary, which is secondary, tertiary, etc. The insurance in your own name is always primary over the one in someone else’s name. There might be exceptions but I haven’t run into them.

          Don’t panic too much. Whatever you owe after the primary insurance processes the claim gets filed to the secondary. If they didn’t pay anything, it’s likely either because the doctors/facility was out of network (and you have no out of network benefits) or you have a high deductible. Whoever the bill is from should now be sending it to your secondary with a copy of the primary EOB showing what you owe.

          Without knowing what your policy states, it’s impossible to accurately predict but if you were pretty sure they’d pick up most or all of it to begin with, they still should.

          eta: To clarify, the primary doesn’t bill the secondary. The doctor/facility the claim is from bills the primary, gets the results, then bills the secondary, then bills you.

          SolsticeS 1 Reply Last reply Reply Quote 5
          • M
            Morphine
            last edited by

            The hospital or facility may have a financial assistance program to help you. This link is what I found with a quick google search. https://about.kaiserpermanente.org/community-health/communities-we-serve/northwest-community/ensuring-health-access/subsidized-care-and-coverage0/medical-financial-assistance-program

            I work adjacent to medical billing (I screen people for eligibility for financial assistance programs similar to the above) – and I’ve only just made it past my 90 day probationary period (benefits on Monday, yay!) so I am no expert on this – but I believe that when you have a primary and a secondary insurance, the facility bills the primary first, the primary decides what it will pay, what it won’t, and what is the patient’s responsibility, and either writes a check to the facility or goes ‘nah’. Then the facility passes on whatever is left to the next responsible party, which in this case should be your secondary insurance. Only after the secondary has been billed and responded should you be considered for whatever is left.

            All of which takes time, and yes, in the meantime you’re getting statements and bills and there’s five figures on there and it’s really stressful and overwhelming. I’m sorry that you’re going through that, and I’m sorry that people with insurance still have to apply for financial assistance at all, but I hope that isn’t just ‘explaining’ stuff that you already know, and will help you a bit.

            Oh phew yes, I’m right, thanks TNP.

            TNPT 1 Reply Last reply Reply Quote 2
            • TNPT
              TNP @Morphine
              last edited by

              @Morphine said in RL Peeves:

              Oh phew yes, I’m right, thanks TNP.

              Yes indeed. Oh, and to add another point…

              I don’t know how other states do it but in New York, everyone bills separately. So there will be a bill from the surgeon, a bill from the anesthesiologist, a bill from the pathologist if it was needed, and a bill from the facility. It can get very confusing and difficult to keep track of. So if your state is the same, just be aware.

              1 Reply Last reply Reply Quote 2
              • SolsticeS
                Solstice @TNP
                last edited by Solstice

                @TNP @Morphine

                This is immensely comforting, and I super appreciate it. No one I spoke to on my various phone calls was able to really give me any sort of explanation that approached this level of clarity, and that led me to blind panic.

                Sounds like I need to hurry up and wait.

                TNPT 1 Reply Last reply Reply Quote 1
                • TNPT
                  TNP @Solstice
                  last edited by

                  @Solstice You’re welcome.

                  Oh, more info for everyone.

                  So. Which is primary and secondary etc is called coordination of benefits. And sometimes it gets screwed up. When you add or drop an insurance company when you have multiple ones, you have to inform the other insurance that you no longer have the one you got rid of. Otherwise they think you still have it.

                  So if you ever cancel your own insurance, let Kaiser know immediately otherwise they’ll continue to think they’re secondary and won’t pay. This applies to any and all insurances, including Medicare and Medicaid.

                  1 Reply Last reply Reply Quote 3
                  • SpaceKhomeiniS
                    SpaceKhomeini @Solstice
                    last edited by

                    @Solstice

                    As an aside —

                    Just in general, fuck Kaiser.

                    They fucked me harder than anyone has been fucked by a Kaiser since Belgium.

                    I woke up feeling so good, I think I’d better call in sick/ I need a personal trainer to help me hold my drink
                    I plan to be spontaneous next time we meet/I’m putting off procrastinating until next week
                    I’ll get onto it when I give a shit

                    PavelP 1 Reply Last reply Reply Quote 2
                    • PavelP
                      Pavel @SpaceKhomeini
                      last edited by

                      @SpaceKhomeini said in RL Peeves:

                      They fucked me harder than anyone has been fucked by a Kaiser since Belgium.

                      that reference

                      He/Him. Opinions and views are solely my own unless specifically stated otherwise.
                      BE AN ADULT

                      1 Reply Last reply Reply Quote 3
                      • ArkandelA
                        Arkandel @helvetica
                        last edited by

                        I don’t want to care about the US midterms. I’m not even American nor do I live there.

                        But the stuff I read on the interwebs pisses me off, more so because it’s a race at all and without even the outcome at this point. So while I’d rather shrug it off I must admit I do care after all, which also annoys me.

                        crawfishC T 2 Replies Last reply Reply Quote 2
                        • crawfishC
                          crawfish @Arkandel
                          last edited by

                          @Arkandel I voted early this morning and the polls are PACKED, unexpectedly so I guess because there were a lot of startled faces.

                          I draw things! http://www.mahaldoodles.com

                          ArkandelA 1 Reply Last reply Reply Quote 2
                          • ArkandelA
                            Arkandel @crawfish
                            last edited by

                            @crawfish I hope things turn out well.

                            But I was so sure Brits would do the obviously right thing with Brexit, too, and that went down super well too. 🙂

                            WizzW 1 Reply Last reply Reply Quote 3
                            • T
                              Testament @Arkandel
                              last edited by

                              @Arkandel said in RL Peeves:

                              I don’t want to care about the US midterms. I’m not even American nor do I live there.

                              But the stuff I read on the interwebs pisses me off, more so because it’s a race at all and without even the outcome at this point. So while I’d rather shrug it off I must admit I do care after all, which also annoys me.

                              Don’t get on Twitter. I’m fairly certain that is the major reason that has explained my current emotional and mental state at the moment is because I’ve read a lot of hateful things.

                              I’ll stop now before someone thwaps me for veering too political.

                              I don't know what I'm doing. Poke at Seven Nations sevennations.aresmush.com port 2021

                              SammichS SpaceKhomeiniS 2 Replies Last reply Reply Quote 2
                              • WizzW
                                Wizz @Arkandel
                                last edited by

                                @Arkandel said in RL Peeves:

                                @crawfish I hope things turn out well.

                                Don’t mean this to be dismissive to your feelings or good intentions at all, but…oof, at this point, give us another decade like this one (or dare I say even another five years) and I legitimately don’t think this country will look the same on maps anymore. 😬

                                I’ve never considered becoming an expat so seriously, and I really wish it was easier/cheaper.

                                T 1 Reply Last reply Reply Quote 2
                                • T
                                  Testament @Wizz
                                  last edited by

                                  @Wizz said in RL Peeves:

                                  @Arkandel said in RL Peeves:

                                  @crawfish I hope things turn out well.

                                  Don’t mean this to be dismissive to your feelings or good intentions at all, but…oof, at this point, give us another decade like this one (or dare I say even another five years) and I legitimately don’t think this country will look the same on maps anymore. 😬

                                  I’ve never considered becoming an expat so seriously, and I really wish it was easier/cheaper.

                                  I recommend Costa Rica. That’s where I’m trying to get in five years.

                                  I don't know what I'm doing. Poke at Seven Nations sevennations.aresmush.com port 2021

                                  ArkandelA 1 Reply Last reply Reply Quote 1
                                  • ArkandelA
                                    Arkandel @Testament
                                    last edited by

                                    Come to Canada for the snow and the freezing cold, stay for the Raptors and poutine options!

                                    1 Reply Last reply Reply Quote 4
                                    • SammichS
                                      Sammich @Testament
                                      last edited by

                                      @Testament said in RL Peeves:

                                      Don’t get on Twitter.

                                      Just good advice in general. Especially for mental health.

                                      crawfishC 1 Reply Last reply Reply Quote 2
                                      • crawfishC
                                        crawfish @Sammich
                                        last edited by

                                        @Sammich I joined recently for business things and well I suppose I got there too late.

                                        I draw things! http://www.mahaldoodles.com

                                        1 Reply Last reply Reply Quote 0
                                        • juniperskyJ
                                          junipersky Administrators
                                          last edited by

                                          I have completely lost my voice. (I think from the mother of all sinus infections.) This means that when I do try to speak it comes out as the quietest of whispers.

                                          Then everyone who is trying to speak to me speaks in a whisper, and then I can’t hear them!

                                          I swear, I’d speak in a normal tone of voice if I could!

                                          (Upside, the 5th grader who volunteered to be my ‘voice’ got a kick out of it.)

                                          1 Reply Last reply Reply Quote 2
                                          • G
                                            GF
                                            last edited by

                                            It’s November 4 in the northern hemisphere and it’s so hot my computer’s fan keeps kicking on to cool the machine down.

                                            1 Reply Last reply Reply Quote 0
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