Insurance Crap

I think I mentioned that Scott had recently fallen in a hotel lobby in Wash DC (due to exhaustion) and had to have 15 stitches in his forehead. This past April, we had moved him from our "normal" insurance plan, to his own HSA plan, since he "never" goes to the doctor or gets hurt - yeah right!!!

We chose a 3k HSA plan as opposed to the 5k plan due to the fact that I didn't want to fund too much this first year. I had all of the paperwork in my "pile o crap" that I have next to my desk, but hadn't read up yet on how to start funding it. I did ask the accountant about whether it was better for our business, Davisworld, to fund it or Scott/Kim -- either way is fine.

Then he had the fall, so I've been scrambling to find out what I need to do -- we got the EOB (Explanation of Benefits for those that don't have Mom's in the insurance world, like me) in the mail and I was SHOCKED.

The total bill for the ER visit was $2041 -- due to our plan, the discounted $1692 , for a total due to Scott Davis of $349. What the hell -- they actually charged the insurance company 6 times what we're going to actually pay out of pocket (if you understand the HSA, it means we will pay 100% of the cost up to the 3k limit, then everything else is covered 100%).

Now, don't get me wrong, I'm thrilled with the fact that I only have to pay $349 for the stitches, but Holy Cow - that's highway robbery that the hospital would charge over 2k for the services, but be OK with $349. CRAZY, I say!!

Whomever takes over the white house next January (Go Obama!!), I certainly hope that getting control over the health care in this country is a priority. It's truly shameful!!!