I have a broken hand. I have insurance. Fix it.

UGH!

I just got off the phone with an incredibly obnoxious twat at my orthopedist’s office. I broke my hand at my wedding. I fell and landed on my left hand, fracturing a bone. A week and a half later, the orthopedist decides that I have a fractured bone in my hand (this is after a prior visit to the ER). He puts me in a cast. Two weeks later, I go for a follow-up and he wants to do an MRI because the x-rays aren’t showing exactly where the bone is broken - there’s a ‘blip’ on the x-ray, as he calls it, and he wants a better look. So he takes the cast off and puts me in a splint, telling me that someone will call to schedule the MRI.

She called on Thursday - around 2 PM - to my home phone. I, of course, don’t get the message until that evening and she’s off on Friday. Wonderful. The message includes wording such as “Well, we need to schedule an MRI for you, but I don’t see any insurance information so I don’t know how you’re going to pay for this.” All said in the slightly haughty tone I’ve gotten used to from people around here (that’s another rant altogether).

Excuse the fuck out of me?

I left a message yesterday, but never heard back from her. I called again today. I finally got her on the phone. I told her who I was, and her first response was a very nasty “I don’t see any insurance information in here.”

Really? Then why have I seen my company billed for my past two visits? I explain to her that my insurance card didn’t arrive by the time of my two visits, but her office should surely have my group number, ID number, and claims address, as I gave that to them on my first visit, along with the company’s phone number for BOTH providers and subscribers. I work for a medical billing company, I am fully aware of the information needed to bill a claim. However, I have since been put on my husband’s insurance, so while I’m covered by both for the moment, I’ll need to provide that insurance on my next visit. But for now, as I’m still covered by the other company, I’ll continue to use that insurance.

“Well, I need your new insurance card to bill you. You don’t have any information in here.”

I figure I need to speak slowly because she’s obvliously not listening. I explain, once again, that I provided all of my insurance information to the office on the first visit. I have since received a duplicate card for my coverage, and will bring that on my next visit. But she has all of the information that she needs to pre-certify the MRI - I gave them every piece of information that was on the card.

“I need your new card.”

Holy pig-fucking shit! I shouldn’t have even mentioned that I have additional coverage. I should have just told her to deal with the info in the file. For some reason, I can’t seem to get through to her that she just needs to deal with the fucking company that they already have - there’s no need to switch my insurance in the middle of a procedure if I’m still covered by the first one!

So now I have to either call her back and go through this AGAIN to precertify through the original company, take the insurance card to the office (which is a half-hour away - not an easy drive on a workday) so she can see all of the info she already HAS in her file, or wait until my card arrives from my husband’s insurance company and then give her that. Fuckin’ A. In the meantime, I’m walking around with a splint on a BROKEN hand, and in serious pain. It’s not her responsibility to decide which insurance company to bill, it is her responsibility to pre-certify the procedure with the company I TELL HER TO BILL. The company for which she already has ALL of the information IN MY FILE.

And my hand hurts.

Ava

That struck me negatively. Yeah, I know there are two ways of hearing that (“Do you have other insurance I can bill?” vs “I know you don’t have enough money for an MRI.”) but since this is the Pit I’m going with the latter. What a bitch. I mean in general, even if she meant the former interpretation.

Anyway, congrats on the wedding. Too bad about the hand. :frowning:

Honestly, if it hadn’t been for the tone, I wouldn’t have taken it the way I did - more like “I don’t see any insurance information, so we should probably discuss how you would like to be billed for this.” - that would have been fine. But her tone was just incredibly nasty. And she was like that on the phone today as well. I’m one of those people who’s ALWAYS polite on the phone, even if someone’s being a bitch to me. I hung up after my conversation with this woman and my co-worker said “That’s the closest I’ve ever heard you come to getting nasty with someone on the phone before. What did she say to you?”

I’m hurting a lot today, so maybe I’m perceiving a tone that’s not really there, but I don’t think so. I don’t take my anger out on strangers. I would just really like this to be dealt with quickly so that I can get the correct treatment and my hand would stop hurting. And thanks - we’re still hoping the videographer got it on tape - if I’m going to take a flying leap at my own wedding, I want to at least win some money for it!

Ava

Ava, good luck with this and good luck with recuperating. I broke my wrist back at the beginning of June and I have to say, my insurance company was easy to deal with, as were the people at the hospitals. I’m sorry to hear you’re having to deal with a pointy-haired ala Dilbert person on the phone.

By the way, since this happened at the wedding, is the church/chapel/synagogue/whatever insured? They may be liable for at least part of the expense.

I don’t think anyone pays out of pocket for MRI’s. As I understand it, they are ridiculously expensive. Like 3,000 dollars for a single session.

I wish i had health insurance. :frowning:

Really, it could be worse.

Where are you? “All said in the slightly haughty tone I’ve gotten used to from people around here (that’s another rant altogether).” Where’s around here?

I live in Canton, Ohio. I moved here to be with mr. avabeth, and I really hate it. People are rude, unfriendly, and sometimes downright hateful (and this is coming from the girl who lived in NYC for four years). I used to get upset with him for what i perceived as rudeness to cashiers and waiters until I realized that’s how EVERYONE is around here. It just bugs me - I was raised in VA, and while they may not mean it, at least everyone seems to be polite. (I’m sure someone who lives here may disagree with me, but I’m just giving my impression after living here for ten months).

And we nearly married in a civil ceremony early so that I could have health insurance. We decided to wait - but I’ve only had insurance for a couple of months in a year.

photopat, honestly, my grandma fell in the exact same place, so realistically, we could ask them to cover my medical bills, but I’m weird about those things. I have insurance, the insurance will cover it, and I don’t want to get into legal action, which is where it would probably go. I think we live in a very sue-happy country and I don’t want to contribute to that - I think it takes credibility from legitimate lawsuits. Plus, I had such a good relationship with my wedding coordinator - I’d just rather keep it that way.

Ava

Really? I move to NE Ohio from Virginia (admittedly, many years ago) and while I missed the almost painful politeness I didn’t find Ohioans particularly nasty. Maybe a bit more abrupt than I was used to.

Telephone your orthopedist directly. Advise him how you feel about his professional work. Then ask for a referral to another orthopedist whose office will accept your insurance coverage without rudely insinuating that you can’t pay for the services rendered and which will get off their dead asses and look in the files for the information you’ve already provided them, instead if snidely suggesting over the phone that you have not.

Then sit back with a smile and await the call of apology from your orthopedist’s office.

You are my favorite person ever. Seriously.

dropzone, did you live in Canton or Cleveland? I’ve found people closer to Cleveland seem to be friendlier. But I really don’t like Canton. I’m trying to convince my husband to look for a job in Cleveland so we can buy a house up there.

Ava

Avabeth, I’m getting a horribly creepy sense of deja vu from your post.

I swear, I had to deal with this same woman! Only, in my case, it was a cardiologist’s office and she never did call me–she reported me to collections.

I’m still mad just thinking about it.

Can you fax her the information? It would prevent you from having to talk to her on the phone again. Either a photocopy of the card or, since I’m a little confused about what card you do or don’t have, a fax containing all of the insurance information might really help. If she’s just impossibly lazy, which is my guess, having it all there in black and white will clear up the situation for her.

And the next time you go, be really really smarmy and say things like, “Oh there was such confusion over that pre-cert but at least you weren’t like the woman who worked at blah blah blah who was so lazy and refused to look up the information even though it was right in the file and kept calling me complaining about how she couldn’t find information that was right there in the file! Yes, at least you aren’t like that!”

:smiley:

That might work - I can’t say the doc or any of the nurses are my favorite people either, but the office is just incredibly busy, so there’s no chit-chatting with the patients like I’m used to (my dentist’s office here does that - I love them!). They aren’t rude, though, just harried. This woman was rude. I probably will end up faxing my card over. Just to clear it up, I was put on my company’s insurance two and a half months ago. I didn’t have the card until a few weeks ago. That’s the insurance that has been and will pay for my treatment with the orthopedist. However, because being on my husband’s insurance is less expensive, I am now on his insurance - but didn’t get my cancellation for my company’s insurance in in time, so I’m covered by both for the next month. I only mentioned my husband’s coverage in passing - I was trying to remind myself to take it in on my next appointment so that they could have it in their file. It just confused her, so I probably shouldn’t have mentioned it, but it would have helped if she’d listened to me when I told her I was still covered by the insurance in their file and that’s the insurance she should bill.

Heh - maybe your cardiologist’s employee transferred to my orthopedist’s office:).

Ava

Thank you for feeling this way. I wish more people did!

Canton is the DEEP SOUTH. We’re much more your speed (NYC) up here near Cleveland :wink:

I am gonna have to take note and see if the Canton folks are really nasty. Come to think of it, last time I was in Canton my friend got yelled at by a really old lady because she was tearing through a parking lot and we almost hit her. She yelled out the window of her brand new way-too-big Lincoln that he thinks he’s got the right of way because he drives a BMW. Apparently old ladies in speeding Lincolns have the right of way in Canton.

In Cleveland we’d have gotten a honk and a Slovakian curse put upon us.