I should have guessed that they would not do something that benefitted me that was not required by federal law
Although that makes it even more troubling that they did not process it correctly to begin with (no argument that it was not a true medical emergency)- they should be automatically processing all emergency claims the same way - as in network - instead of only processing some ER claims as in-network which is how they made it sound when I spoke with them.
our health insurance system is so messed up, it is mind-boggling to me
There is something about the outside of a horse that is good for the inside of a man.(Churchill)
I had a flexible spending account administered by UHC and they lost my packet the first time, refused to reimburse me for some items the second time and I ended up spending about $9? $12? in postage altogether what with the return receipts and the multiple submissions.
I refuse to be a supplicant when it's my own damn money that I pay in every paycheck. Needless to say I didn't do an FSA this year so I lost the tax benefits, but I don't have any desire to have my blood pressure spike out of aggravation.
We have BCBS and for a minor procedure we have about ten pieces of paper -"you owe", and this after interviewing the surgeon and everybody else we could think of to make sure they weren't OON.
DH really misses Kaiser P., the Big Brother/Grandaddy of the HMO's. You didn't get much choice, it was a huge clinic setting, but they didn't kill you by burying you with paperwork.