Our Medical Supplier Just Informed Us We've Reached The Insurance Limit

[berni_mccoy]

For those here who don't know, I have two children with type-1 diabetes. We go through a mail-order supplier to get our test strips, lancets, siringes and infusion sets for their insulin pump supplies. They just informed us that we've reached the limit for durable medical equipment on our policy. As far as I know, there is no limit, but I am going to have to talk to the insurance company to see what's up. I have an HSA that provides a high-deductible / mid-range premium. It was the optimal plan for our expense load and we've had it for more than a year and a half. As a small business owner, I pay the full premium. Between HSA/deductible and premium, we pay out close to $20k / year before we see a penny back on coverage.

Pouring salt in the wound, I just got a letter from the Insurance company saying they'll drop us due to a billing mistake. The rate just went up and our automatic payment paid the old rate, not the new one. We have until the 30th to pay the difference.

So, first, I have to correct the billing mistake and then I'll have to find out why they aren't going to cover our equipment supplies any longer.

[Taverner]

1. That's horrible - this why we need Universal single payer now!

[dixiegrrrrl]

2. Do your medical costs total 20 K a year?

[berni_mccoy]

3. More than 20k, easily.

[LisaM]

4. Be sure to call your senator

You shouldn't have to go through this.

[appamado amata padam]

5. Shameful

how insurance companies will nickel-and-dime, and nitpick, to deny CHILDREN of their treatment.

Good Luck, and Peace to You and Yours.

[Froward69]

6. Greedy mutherfuckers!!!

I feel right with ya.
my niece was astonished to learn I did not have health insurance. (my back is twisted this week) Any way as health insurance to cover me (excluding chiropractor or work related injury) would be $150 a month. (from doublecross blue shield.) to include work related injury the premium jumps to $550 a month. add to that chiropractic? then my premium just for me goes to $1100 per month.
Fact is I could just pay cash and things are less expensive.
BTW the chiropractor is only $60 per visit.

gouging the self employed is their business model.

[notadmblnd]

7. Your children should be entitled to SS disibility benefits

That would include health care. Have you checked that out?

[formercia]

8. This is what happens when 'Bean Counters' get to determine who gets coverage

Medical coverage based on a predetermined profit target and overhead before patient care.

[glinda]

9. That is awfully nasty of them. I feel for you and your family. Help cannot come

soon enough!

[Left coast liberal]

10. God, I hate those blood sucking parasites.

:-(

Good luck. I know it is tough calling them. They are so good at giving you the run around.

If they don't get it fixed consider submitting a claim to your states Office of Insurance Commissioner. They have staff that fight these people every day.

I have had to do it twice! But they forced to company to stop double dealing.

Oh, for single payer. WISH!

[Gormy Cuss]

11. Sounds like the insurance company is looking for a reason to drop you.

Thank you for sharing your story here. Many people have no idea what it's like to be outside of the umbrella of an employer group plan.