As you may recall, I recently went for my annual mammogram, which was quite an adventure. But now, dear friends, the adventure continues!
We’ve got really good insurance from BlueCross/BlueShield, so my annual exams of this type have always been covered 100%. But this time, for the first time ever, the hospital’s billing office called me prior to my appointment to “pre-check me in,” and also to let me know the cost would be “around $150.” I let them know my insurance has always paid for this in full and asked if they were sure about the charge? The woman on the phone sounded unconcerned, like this is something they routinely tell people without checking what their insurance plans call for, just a heads’ up of what they might need to expect. Or not, as the case may be.
I found that totally weird. If I hadn’t been doing this every year for a while and knew I was never charged, I might be a little freaked out. I’d especially be panicked if $150 was a make-or-break amount of money for my monthly budget, which it easily can be for a lot of folks. Especially the kinds of people not accustomed to shelling out large amounts of money on regular health services like mammograms. For example, people new to the healthcare market, thanks to Obamacare. Just sayin’.
As it happens, I get my mammogram and there’s no charge, as usual. The office said they’d file with insurance, as usual.
So imagine my surprise when about 4 days later I get a bill from the hospital! Again: this has never happened before! I assumed it was a bill I could ignore because BlueCross/BlueShield typically takes months to process claims. But the bill showed a discounted amount of around $143, and I’d had that phone call saying I should expect to pay around $150 … so I was a little confused. Again: if I hadn’t done this before and known not to be worried, I’d be in a panic.
So I called the hospital’s billing office and asked WTF is this thing I got in the mail. And get this: she says, “Oh, we just send that out in case you want to pay it. You don’t have to, but if you want to.”
I asked her to clarify what she meant. “You mean, pay it and then have you pay me back when the insurance company pays?” Yes. That is what she meant. If I wanted to. But I didn’t have to.
People, I ask you: who the fuck would want to do that?
Now might be a good time to remind everyone that this service was performed at the for-profit HCA (now TriStar) hospital in Nashville, Centennial. And I just have to wonder again if this isn’t some kind of scam they’re running trying to get money out of people who are new to dealing with hospital billing departments and insurance, now that ObamaCare has brought thousands of newbies into the system.
It just seems a little sleazy to me. I absolutely would not be surprised to learn that staff at Centennial are given a bonus for every “early payment” they coerce out of patients.
Meanwhile, BlueCross/BlueShield has started sending me a stupid newsletter it calls “Healthy Options,” filled with recipes and coupons for Kellogg’s Frosted Mini-Wheats, Minute Maid Light Lemonade and other crap made out of toxic waste I wouldn’t touch with a ten-foot fork. I don’t know when my health insurance company got into bed with ConAgra, ADM and the rest of our Big Food Overlords but I find this an ominous sign and I’m pretty sure it can’t be good for anyone. I just really don’t want to be marketed to by these people. Seems like there might be something better to do with that money.