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captainsblogThe latest and not-so-greatest from the continuing saga of Davey and Goliath, starring Emily as the chick with the slingshot and Aetna Healthcare as the stupid giant.
We got word earlier in the week that they had finally, FINALLY, approved her claim for the surgery to remove her impacted wisdom teeth, which was done, and which we advanced the entire cost for, back in April. After multiple hiccups, submission and resubmission of forms, it looked like she was going to get almost the entire thing paid for.
The key word here, of course, being "paid."
By midweek, no check. Em was wearing a trench into the area rug in the living room looking for the mailman. Finally, she put the call in yesterday, and sure enough, they'd cut it two days before and sent it....
to the dentist. The one we'd already advanced full payment for, because we all know how f'd up insurance companies are.
At this point, all they told her was they'd call the dentist and "work it out." We doubted it would be as simple as them signing the check over to us, and that there'd be yet another interminable delay while they waited to get the check back before issuing a new one.
But no. In today's mail came the EOB (if you don't know what that means, you probably live in a country with those Socialist Kenyan Marxist Obama benefits that we hate so much here) which confirmed that, yes, they'd repaid the dentist $1,330.00...
and a credit card slip from said dentist, crediting our health savings account debit card for $1,130.00.
So. Forgetting the minor $200 discrepancy there (which I'm guessing is just the dentist slipping the 1 and the 3 on the keypad), this now causes a major clusterfudge for us because it got credited to the debit card connected to our HSA. We cannot just write a check from this account, or transfer it online to any other bank account, or do anything connected with it by using any of the bank's 200 local branches. (Deposits to the account have to be made to a PO Box in Milwaukee, and withdrawals can only be made online or by using the debit card.) We may be able to withdraw it from an ATM, assuming they don't just reverse it out once our Friday afternoon complaints get heard. (Not like it's actually IN there yet; funny how the debits show up instantly but the credits take days:P) But worst of all is that the tax rules for HSA deposits and deductions are more Byzantine than a Greek Orthodox sanctuary, and we stand an excellent chance of being penalized on our 2012 income taxes for an excess contribution, or a non-permitted withdrawal, or icing the puck, or SOMETHING.
And this is what Mittens and his new sidekick are trying to preserve because it's the best in the world.
Shoot me now. Then take me to the emergency room and deny me coverage because the bullet hole is a pre-existing condition:P
We got word earlier in the week that they had finally, FINALLY, approved her claim for the surgery to remove her impacted wisdom teeth, which was done, and which we advanced the entire cost for, back in April. After multiple hiccups, submission and resubmission of forms, it looked like she was going to get almost the entire thing paid for.
The key word here, of course, being "paid."
By midweek, no check. Em was wearing a trench into the area rug in the living room looking for the mailman. Finally, she put the call in yesterday, and sure enough, they'd cut it two days before and sent it....
to the dentist. The one we'd already advanced full payment for, because we all know how f'd up insurance companies are.
At this point, all they told her was they'd call the dentist and "work it out." We doubted it would be as simple as them signing the check over to us, and that there'd be yet another interminable delay while they waited to get the check back before issuing a new one.
But no. In today's mail came the EOB (if you don't know what that means, you probably live in a country with those Socialist Kenyan Marxist Obama benefits that we hate so much here) which confirmed that, yes, they'd repaid the dentist $1,330.00...
and a credit card slip from said dentist, crediting our health savings account debit card for $1,130.00.
So. Forgetting the minor $200 discrepancy there (which I'm guessing is just the dentist slipping the 1 and the 3 on the keypad), this now causes a major clusterfudge for us because it got credited to the debit card connected to our HSA. We cannot just write a check from this account, or transfer it online to any other bank account, or do anything connected with it by using any of the bank's 200 local branches. (Deposits to the account have to be made to a PO Box in Milwaukee, and withdrawals can only be made online or by using the debit card.) We may be able to withdraw it from an ATM, assuming they don't just reverse it out once our Friday afternoon complaints get heard. (Not like it's actually IN there yet; funny how the debits show up instantly but the credits take days:P) But worst of all is that the tax rules for HSA deposits and deductions are more Byzantine than a Greek Orthodox sanctuary, and we stand an excellent chance of being penalized on our 2012 income taxes for an excess contribution, or a non-permitted withdrawal, or icing the puck, or SOMETHING.
And this is what Mittens and his new sidekick are trying to preserve because it's the best in the world.
Shoot me now. Then take me to the emergency room and deny me coverage because the bullet hole is a pre-existing condition:P
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no subject
Date: 2012-08-11 09:26 pm (UTC)no subject
Date: 2012-08-11 09:44 pm (UTC)no subject
Date: 2012-08-11 09:33 pm (UTC)no subject
Date: 2012-08-11 09:45 pm (UTC)no subject
Date: 2012-08-12 05:11 am (UTC)no subject
Date: 2012-08-12 10:08 am (UTC)no subject
Date: 2012-08-12 02:32 pm (UTC)But the general knowledge of English is of no use when you try to understand how that insurance works, obviously.