Thursday, November 17, 2016

Co-Pays: I Got "Got"

If you have health insurance, make sure you understand your coverage - at least the basic co-pays and stuff. My family is relatively healthy so we only go for those yearly appointments which could mean we've got totally different insurance than we had the last time we were there, given how often companies change providers. Only thing I knew at any given time was that our doctors were in-network and that's because I based my choices primarily on that.

But I got got earlier this week. I went in for my yearly physical and battery of tests and they charged me a $45 co-pay. Now, I expected to have a co-pay but $45 seemed high - that's usually the kind of co-pay you have when you go see a specialist. So I'm getting my wallet out super slowly, and I ask to be sure, "45?" Dude behind the desk: "45" with an attitude like bitch, that's what I said, ain't it? I pay it but I'm salty cause you don't take my money with no attitude LOL.

Then I get to work yesterday and I sit through the open enrollment webinar - because once again, we're changing providers - and I see on the payment schedule NO CO-PAY for routine "well" services. So when the question/answer phase comes, I ask about it. Maybe it's new for 2017, you know? She says no, it's always been that way. So now I'm thinking real hard because not only have I paid $45 the day before for one of those "well" visits, but I recall clearly paying co-pays prior as well. I'm sure there was an actual sick visit or 3 over the years, but with our pediatrician especially, there has never been anything but physicals and I've been charged. So I guess you know my first contact was to my doctor to let him know he could so kindly reverse that $45 charge and of course, he's all "You're absolutely right! Done." Mm hmm. SOMEBODY entered the visit code, Doc. I ain't saying it was you, even though you made my appointment, I'm just saying SOMEBODY LOL. And you better believe I will be stalking my account to see that $45 come on back.

Benefit shit, especially through work, can be complicated and confusing. If you never pay that shit any attention, zone in during that open enrollment session. If you don't know anything else, know your co-pays. I bet doctors everywhere are charging co-pays left and right because people don't know no better. SMH

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