Health Insurance just sucks.
I am so incredibly frustrated and depressed.
It feels like I had a big pile of rocks dropped on my head tonight once again.
A few weeks ago I let people who care about me finally convince me that I needed to go get an MRI for an injury that I've had for about a year. I am fine just ignoring things and toughing it out. But since I'm trying to do this whole "recovery" thing and trying to take care of myself (stupid idea!!) I went ahead to the doctor, had an MRI, then went to a specialist. The specialist turned out to be a total jerk who said he couldn't help me. He said that he didn't see anything wrong and I shouldn't be in pain. I said well, I am in a LOT of pain, so there has got to be something wrong.Then he got an attitude and talked to me like I was an idiot. I didn't go back, and didn't go to a specialist. I've been doing just fine since I decided to go back to ignoring the pain. It works for me, and its FREE.
My insurance was supposed to pay for the MRI.
Guess what? It DIDNT. Today in the mail I got a HUGE BILL. $600 + for the MRI. Big surprise!
The thing is, I cannot, by any means, afford to pay for it. I am beyond frustrated. I feel like cutting my wrists, pounding my fists into a brick wall, and pulling my hair out. :( I just can't take anymore. I'm so depressed and I dont know what to do. Every time a bill comes up, I try to find things of mine that I can sell to get some money. I am OUT of things. My dog had a huge ($,$$$$) vet bill that my husband and I had to deal with just a couple weeks ago. Plus I have a plane ticket home for Christmas that costs $400. Now I have $600+ that I have to pay the doctor in a couple of weeks. I DONT KNOW WHAT ELSE TO DO. I am going to try to sell Mae and Tuck's Gamebay and their Lite Brite... there has got to be some more things around here of mine that I can sell that I just haven't thought of yet.
I just feel like I'm 1 breath away from a nervous breakdown. Its been like this since our stipend got taken away this August at school. I just don't know how to deal. Health insurance SUCKS. It pays for NOTHING.
AND I AM NEVER GOING TO THE DOCTOR AGAIN! I am SO freaking SERIOUS. I will have to be bleeding out my eyeballs before I set food in another doctors office.
Posted by pilgrim | Filed under:
Dear Pilgrim,
Sometimes clinics and/or hospitals will let you make small payments on a regular basis if you tell them that the bill is a financial difficulty. My son is currently paying $62 a month for a $3,000 hospital bill. Maybe you could try calling the accounting office to see if you can work something out. If you make a good faith effort in advance, they may set up a payment plan.
I hope you won't let the money get you down. You've handled much bigger stresses and you're doing so well, making such good progress. You ought to be really proud of yourself. Dealing with financial difficulty is really hard, I know, but there are usually ways to deal with it if you face it head on.
I am one of those people who is rooting for you. Hang in there...
PS: By the way, I agree with you about health insurance!
Thanks for mentioning YouTube in the past. Thanks to you I discovered it and love wasting time on it too. There is another one similar to it called "daily motion", check it out!
Is there a way to talk to them about why it wasn't covered? I wouldn't just pay it I'd ask them why it wasn't covered.
I know how it is when 100 things come crashing down on you at once. They pile up so fast don't they.
(You-Tube- I'm a fan of them. I like to watch the funny videos but today I watched about some German artist. It was pretty neat.)
Austin
Sometimes insurance will deny the first or second time you submit a claim. Also, if you get support from other professionals- not the jerk doctor, of course- they may see it as a necessity and cover it. No promises, but it's worth trying to save $600.00.