I followed up on my $1500 ER bill that should have been $200. My insurance is expensive, and it has very clear co-pays. There's no percentages, there's no exclusions. I looked it up. Then I was mad and I called.
The insurance company was totally moronic. The polite lady in India couldn't even find an ER charge or pre-approval and had no idea what the insurance company might or might not have approved. Nice.
She asked me a bunch of stock questions:
+Did you lose coverage on this plan because of a divorce or job change? No, and shouldn't you know that!
+Did you have any experimental procedures? I hope not.
+Did you use a vendor like massage or a chiropractor? I wish.
+Do you fill your drugs somewhere else? BINGO
Now, I think that would have been obvious to the moron on the phone that I have no Rx coverage through this particular company, but hey maybe it should have been obvious to me too. The company just changed that in January to have separate medical and Rx. It's a different vendor, a different card. I've only used it once early in the year to mail order. I didn't even think about that different vendor, and I hadn't even realized that the ER might need both cards.
So, I responded to the hospital's letter with a copy of my Rx insurance card and a letter explaining. I hope that's enough to clear this up. The stock questions can't get me much further, methinks. *crosses fingers*
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