Why do we have to do the health insurance company's job for them?
Why do we have to do the health insurance company's job for them?
Just so tired of almost every time a doctor submits stuff to insurance, we have to be the ones to make multiple phone calls to both the doctor's office and insurance to iron everything out, figure out what the issue is (it's always a different issue), and basically be the go-between for the office and insurance. What am I paying $500+/month for?! It's like paying for the privilege of having an exhausting part-time job.
And yes, I understand that insurance wants to weasel out of paying anything, but this isn't even shadiness, just straight up incompetence and lack of communication/following procedures. The amount of emotional energy we have to spend untangling this stuff leaves us drained.
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Same with HSA cards. I quit paying into mine because they wanted proof I got work done after using at a dentist.
Yeah, because dentists usually sell fun things. Fuckin morons
I never had an issue with my HSA card. Paid into one from 2016-2020 when I had a state job. Then switched off a high deductible to a standard plan with an FSA. Left the state job in August 2021 to go private. finally burned through the last of the HSA money in June 2023. Switched jobs back to the state last August and started paying into the FSA. They hassled me over every charge that wasn’t a copay. Go go the eye doctor. Prove it. Buy contacts. Prove it. Go to a chiropractor. Prove it. They deactivated my FSA card over $1.60 that the insurance said was over the standard amount.
Sorry, I pay into the account for medical purposes. I go to a doctor and you pay it. You have no business knowing WHAT the doctor did to me. They were demanding stuff as documentation from my wife that was a blatant privacy violation.
Similar issue with me! In our case both were HSAs and my employer changed companies. The first was awesome (and super helpful considering it was pre tax) and the second was horrible.