I’m usually not motivated to write by anger and frustration. But I’ve had a small battle brewing that has been a sink of energy and a useless distraction. So I feel the urge to vent.
After my climbing accident I took three helicopter rides and was at three different hospitals. I had two surgeries. As a result, a year later, I still get a steady stream of medical bills.
After I came home, I careful read my insurance benefits so I would be prepared for what was to come. And then nothing that happened matched my expectations. My helicopter bills totalled a hundred thousand dollars. The helicopter companies tried to trick me into signing statements that I agree to pay the portion of the bill not covered by insurance. They claimed my signature was necessary for my insurance to start processing that claim. But I had already recieved confirmation from my insurance that they were working on it. Insurance paid them twenty thousand.
The Stanford Hospital bill was triple what I expected. I was terrified. It took two days of phone calls but I figured out that the Stanford billing department made a mistake and charged me for a single occupancy room. Which is thousands of dollars for my six day stay. Which is not covered by my insurance. And then a month later I got another bill from Stanford. Again, for that same hospitalization but a different amount. I also got billed twice, again two different amounts a couple of months apart, for my outpatient surgery.
Talking to the Stanford Hospital billing department and my insurance has been like deciphering the broken codes by which two enormous machines communicate. And when they make a mistake, I lose big sums of money. I just got a second bill from my rehab hospital. For the same stay I already paid for, but now billed at an out-of-network rate. I had to call about this, explain for an hour, have somebody “look into it.” Earlier this month I got another bill from Modesto, the first hospital I was flown to, for seven dollars. It all baffles me. I don’t understand how this system can be so opaque and so broken. Why do I get lists of billing codes in the mail and my total, instead of a document I can read and understand? I am lucky that I am stubborn and not easily scared by official looking documents. But not everyone knows to fight.
I worry that the process is cryptic and riddled with errors to prevent effective patient self-advocacy. And to increase the bottom line. Stanford made two mistakes with my case. They are also the third most most profitable hospital in the country. Conversely, there is just no incentive for hospitals and insurance companies to invest in making it better.
I wish I didn’t have to waste my time and energy on this. Thank you for listening to my rant.
In other news, I’m making lots of progress with crutches. More on that, and a video, later.