Insurance Companies Bite!

I am just wanting to complain!! I hate insurance companies I think they are such a scam! I pay so much to them only to pay more to my doctors. I hate having C-sections but what choice do I have???? So I called my insurance and talked with them when I got pregnant. I totally understood from her that my OB account would cover my WHOLE pregnancy...WRONG. She never once mention any kind of fiscal year crud! So we paid and paid in 2007 and here we are still paying and paying in 2008. Don't get me wrong, Caleb is worth any amount that any doctor wants to bill me!!! But I get irritated when something isn't explained correctly and I end up calling them back because I am freaking out over a $900.00 medical bill that shows up from Mr. Postman. Then I just feel like a dummy and feel like insurance is a rip off. So then I was doing a stinkin cartwheel to please my sweet little 2 year old and I landed and that was about the end of the cartwheel...no walking, running barely even making it to a standing position. We go to the ER because I was scared...thinking that I had met my deductible (the lady on the phone said I only has 129.00 until I met it....so ER and $$$$ sign went through my head and I thought easy enough it will be met.) Now comes another large bill. I called again to get and explanation (yes, I am totally dumb when it comes to these kind of things) and only 20% of that very large bill went toward that deductible and I STILL HAVE $22 dollars to go...ARE YOU KIDDING ME??? Anyway I guess such is life and I will deal with it. I just have to voice my frustration because I HATE being in debt more than anything. But I have such a strong testimony of tithing and I know that if we continue to pay a full tithe we can enjoy so many blessings. Sorry for my little soapbox for the day, boy do I feel better!!!

Okay so this story gets better...my BFF Elisa called and I was complaing to her and she (because she is so smart) told me that what I was told is CRAZY and I need to call them back. So I did and the rep said "Hmmm, it looks like we haven't recieved all the charges because your total should only be $78.83. WHAT??? That is almost a $400 dollar difference! What was the rep before thinking??? Ugh, well after being put on hold the charges are figured out and the final $78.83. MUCH BETTER than what it was before.

On that note have a great weekend. :)