https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 23 Apr 2026 15:11:35 +0000 https://boards.hellobee.com/topic/los-insurance-is-paying-for-less-and-less#post-1881956 Mon, 29 Sep 2014 19:14:55 +0000 Mrs. Tiger 1881956@https://boards.hellobee.com/ <p>That's happened to us before, and I've often had success calling and getting them to throw out some of the crap! Hope you can sort it out soon. </p> https://boards.hellobee.com/topic/los-insurance-is-paying-for-less-and-less#post-1874619 Tue, 23 Sep 2014 14:21:56 +0000 lizzywiz 1874619@https://boards.hellobee.com/ <p>@macintosh: yep, makes complete sense! I need to check when her year begins and ends, I didn't even think of that.</p> <p>@2PeasinaPod: Damn. If I had known nasal spray was gonna cost $30 I would have run out to Walgreens myself!</p> <p>Thanks you so much, ladies- it gives me things to check into and that makes me feel less like I am bending over for them :silly: </p> https://boards.hellobee.com/topic/los-insurance-is-paying-for-less-and-less#post-1874149 Tue, 23 Sep 2014 10:57:25 +0000 2PeasinaPod 1874149@https://boards.hellobee.com/ <p>@lizzywiz: Whenever you have it, PM me and I can take a look for you!</p> <p>The other piece is that your providers are the ones that are charging your insurance for those random things. So if you see nasal spray on there from something, that's your provider charging the insurance company for the nasal spray! </p> https://boards.hellobee.com/topic/los-insurance-is-paying-for-less-and-less#post-1874140 Tue, 23 Sep 2014 10:52:56 +0000 macintosh 1874140@https://boards.hellobee.com/ <p>Could it be that year to your you're hitting your out of pocket max at a different time? I'm no expert, but the first year DH's accident and hospitalization generated pages of detailed hospital bills (eventually paid by insurance settlement). When it came time for him to do outpatient therapy, the max was already billed and I didn't pay anything for therapy. At the beginning if the second year, I stated getting all these huge bills for therapy. Does that make sense? </p> https://boards.hellobee.com/topic/los-insurance-is-paying-for-less-and-less#post-1874129 Tue, 23 Sep 2014 10:48:08 +0000 lizzywiz 1874129@https://boards.hellobee.com/ <p>@2PeasinaPod: aw, that is really nice! It is the State of NM plan- he is a government worker. I have read the summary of benefits but not the actual, looong, PDF. I don't have access to it right this second but I do think (and should have mentioned above) that all of the changes have to do with the ACA. I don't really know why, but it seems like some people's costs went down with ACA, but some went up. </p> https://boards.hellobee.com/topic/los-insurance-is-paying-for-less-and-less#post-1874107 Tue, 23 Sep 2014 10:37:53 +0000 2PeasinaPod 1874107@https://boards.hellobee.com/ <p>So, it actually depends on what your DH's company's plan is...not Presbyterian in general. Do you have a summary of what the coverage is? I would be happy to take a look at it for you. </p> https://boards.hellobee.com/topic/los-insurance-is-paying-for-less-and-less#post-1874089 Tue, 23 Sep 2014 10:29:12 +0000 lizzywiz 1874089@https://boards.hellobee.com/ <p>Lo has had the same insurance since she was born in 2012. What is generally considered a 'good' plan through Presbyterian. It is one reason DH stays at a job he hates.</p> <p>Once she started to need more medical intervention we started seeing bills, but not like we do now. Sometimes they are big-ish, like for 20% of the x-ray and some are small, like $3.96 for God knows what. But they are nickel and diming the crap outta us! It used to be that I payed the co-pay of something like $700 for a hospital stay and that was it, but now we get bills for everything from the noted x-ray to freakin' nasal spray!And usually, we don't get the bills until 2months+ after the event, which makes it impossible to budget for, which I couldn't anyway because I don't see an obvious pattern in what we have to pay for now.</p> <p>Anyone else dealing with this? </p>