WTF Wednesday, Storms and Goats in Trees

Instead of my alarm clock this morning or the urgent needs of my bladder I awoke to the sound of torrential rain.  Serious rain.  Pounding, driving, I plan on flooding most of your backyard, overfilling the pond and flooding your streets kind of rain.  And it’s not going anywhere anytime soon.

Tropical Depression number ?????

In case you’re wondering where Clearwater, Florida is, it’s where I live, of course.

You would think that all the rain would mean lots of time to catch up on my work but no.  Instead I’m pretty sure that just like yesterday I’ll be spending countless hours on the phone with my insurance agency trying to find out why they are refusing to pay for the MRI’s that they pre-approved and why they have decided to consider my co-payments as out of network instead of in network.

Insurance idiots

I’m inclined to believe that it’s because I’m so close to meeting my deductible that they don’t want to have to cover me at 100%.  I am determined that they will not win this battle, especially since the lab is listed as the number 1 option of approved and covered labs and I’ve already been there twice and they covered both visits.  I’m assuming they thought I wouldn’t notice either of these facts.

Dead Wrong

In light of all this and despite the fact that things have been a little stressful since returning home, I saw these little goats on the internet and they made my day.  And now, I want one.

Moroccan Tree Goats

Those are the tree goats of Morocco and they are so damn cute.  You can read about them here.  Imagine how much skill it must take to climb up into that tree but then if you’re hungry I guess you could do just about anything…or is that just me?

Wtf it is Wednesday and at least we only have 3 more months of hurricane season and I’m almost out of body parts to MRI, so there’s that….and Thursday is less than 24 hours away.

Tell me a WTF moment from your week.

WTF Wednesday, I got sick trying to heal.

wtf wed sick

If you practice adulting at all whatsoever then you are probably somewhat familiar with how health insurance works.  And according to the IRS and our government, most of us should have some type of insurance in place whether we acquired it through our employer, privately, or the controversial obamacare.

As a self employed individual my previous health insurance was sub par at best according to my government, so I had to choose an obamacare plan.

affordable healthcare, yeah okay

I pay a premium fee each month so that I can have a low deductible and that deductible is $900 out of pocket yearly.  Remember that, it will be important down the road.

Several months ago my occasional migraines became a weekly occurrence, typically right after long runs so I cut those down, but the headaches continued to increase in frequency and currently they are happening almost daily.

pain is real

I had an MRI of my brain and it showed some white matter lesions which I’ve had for about 8 years.  There were no new lesions of any significance though and that meant there was no diagnosis.  Back to the drawing board.

Then came some additional pain, this time in my neck and low back with some weakness in my right arm and left leg.  After what seemed like months, (because IT WAS), my doctor got me in to see a neurologist and he ordered four additional MRI’s and tests.  I’m pretty sure the lab took out half of my blood and I thought for sure they would find out what was going on.  xyz4ze

If I didn’t feel bad enough already I had to pay a co-payment for each and every one of those MRI’s which by my calculations is more than the insurance company has paid for their portion.

insurance sucks

I’m a stickler for making sure things are paid because I don’t want any surprises later down the road so I check the claims every few days to make sure they’re paid.  I also have to get approval for each and every test I have outside of my regular doctors office or else they wont pay the bill. Calling to expedite the pre approval process and then to schedule the test is a part time job in and of itself.

The imaging center I originally chose for my MRI’s was on their covered providers list and I got pre-approval and went in.  The MRI center recently changed their name as they were purchased by a huge conglomerate so the last four MRI’s have not been paid and there are thousands of dollars in fees on my statement that are in dispute.  According to the insurance company the MRI lab is now an out of pocket provider.  So, I spent two hours explaining a simple name change to the insurance company this morning but so far they are still declining to pay the bill.

out of moneyThis morning the hospital called and reminded me that I have an EEG scheduled for Friday and that my co payment is only 260 dollars.  She then cheerfully added that I’m almost to my max out of pocket, only 200 dollars to go before insurance will pay 100%.

Insurance companies have their own math.  By my calculations, I’ve paid out of pocket over 1700 dollars and that’s IF they pay their portion of the four MRI’s, bastards.

To say I’m frustrated would be like saying the Eiffel tower is sort of tall.  I’m stupid pissed.  Walter White pissed.

Walter WhiteAll of this is making me ill.

Yep

Most accurate meme ever.

WTF it’s Wednesday and my insurance is making me sick!