Doctor time!
When it rains, it pours. I just spent $85 on Friday to take my son to the doctor and to get the 6 weeks worth of medicine that treating his tinea capitis(ringworm on the scalp, if your latin's not that great) requires.
Then, yesterday morning, my husband woke up with a "rash" on his left arm and on his neck. I don't think that it's ringworm. It's like hives. There's a raised spot in the middle and a red area surrounding it. The spots are warm to the touch and they itch. He hasn't been able to sleep well the last 2 nights, so we're going to the doctor tomorrow afternoon to get it checked out. I'm not sure if it's some type of allergy, if something bit him, or if he was probed by aliens.
I don't know what it is with my husband and insurance. He's an insurance troublemaker. A while back, our previous family doctor retired. We had to choose a new provider. We were contacted by another doctor who said that he was taking over the practice, yadda, yadda, yadda. That never happened. The clinic was closed down, turned into a free Hispanic clinic, and then demolished to make room for road construction. So, in the meantime, we had changed both our primary doctors with the insurance company to this new guy who didn't pan out. I chose a new doctor last year and have been seeing him since. I was able to change the primary doctor with the insurance company with no problems, effective immediately. We decided to both use the same doctor. I called the clinic that I use and got an appointment for tomorrow afternoon. It was then that I realized that my husband's primary doc was still the other guy who he's never even seen. So...I call the insurance company. I am the primary subscriber on the account. The insurance is in my name, under my social, deducted from my paycheck. They tell me that I can't change my husband's primary doctor because I'm not authorized on the account. What?! The lady says that he has to request that, and that the change will be effective October 1. Arrgh. I went to their website and changed his primary doctor, and imagine this: it requires authorization from the primary subscriber -- me! Anyway, he'll be covered for the doctor tomorrow since it is a network doctor, but will have to pay a specialist copay instead of the normal one. It's $10 more.
Then, yesterday morning, my husband woke up with a "rash" on his left arm and on his neck. I don't think that it's ringworm. It's like hives. There's a raised spot in the middle and a red area surrounding it. The spots are warm to the touch and they itch. He hasn't been able to sleep well the last 2 nights, so we're going to the doctor tomorrow afternoon to get it checked out. I'm not sure if it's some type of allergy, if something bit him, or if he was probed by aliens.
I don't know what it is with my husband and insurance. He's an insurance troublemaker. A while back, our previous family doctor retired. We had to choose a new provider. We were contacted by another doctor who said that he was taking over the practice, yadda, yadda, yadda. That never happened. The clinic was closed down, turned into a free Hispanic clinic, and then demolished to make room for road construction. So, in the meantime, we had changed both our primary doctors with the insurance company to this new guy who didn't pan out. I chose a new doctor last year and have been seeing him since. I was able to change the primary doctor with the insurance company with no problems, effective immediately. We decided to both use the same doctor. I called the clinic that I use and got an appointment for tomorrow afternoon. It was then that I realized that my husband's primary doc was still the other guy who he's never even seen. So...I call the insurance company. I am the primary subscriber on the account. The insurance is in my name, under my social, deducted from my paycheck. They tell me that I can't change my husband's primary doctor because I'm not authorized on the account. What?! The lady says that he has to request that, and that the change will be effective October 1. Arrgh. I went to their website and changed his primary doctor, and imagine this: it requires authorization from the primary subscriber -- me! Anyway, he'll be covered for the doctor tomorrow since it is a network doctor, but will have to pay a specialist copay instead of the normal one. It's $10 more.
posted by carrie at 9/15/2004 10:41:00 a.m.
1 Comments:
You sure don't seem to have the luck with the insurance companies lately!
The whole issue of health insurance here in the U.S. is still confusing to me...still, I like that here you can see the doctor when you need to instead of 6 months later as you would in Canada.....
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