I believe this is what they call an insult to injury.
I was woken up on Wednesday by the news that my insurance wouldn’t schedule the thing until I got a referral to the OB’s office from my primary. That meant the visit the day before wouldn’t have been covered, not to mention having to schedule an extraneous appointment with a doctor I had yet to meet (my plan changed on January 1st) and go through the unpleasant explanation, etc.
I called my insurance company furious. Before I schedule the 1/10 appointment back in December, I called to make sure I didn’t need a referral. They assured me I didn’t.
Hence my angry, somewhat blubbering phone call. It was not a good way to wake up the day after such news, I assured the phone rep.
She was quite helpful/apologetic and confirmed that I hadn’t needed a referral. She even checked with her supervisor just to be 100% sure. She then got on the phone with my OB’s office herself and let them know they had been given bad information.
She then informed me that they were going to try to book me in Banner Hospital and so the co-pay was $150 plus 20% of the cost of any drugs, which was usually under $20.
Needless to say, I wasn’t thrilled by the prospect of paying $150 for the privilege of this procedure. After hanging up with her and getting Tim up to speed, I called my insurance again.
As the phone rang, I had the momentary lucid thought that it was somewhat macabre to be looking for a “good deal” on a D&C. But given the unpleasantness of this entire situation, I really didn’t want to pay more than a penny extra.
It turned out to be moot — the $150 was the flat rate for any outpatient procedure with this insurance. I was a little relieved, truth be told. I really didn’t want to wheel and deal too much for something like this. Mainly, I just wanted to check and make sure that my HMO wasn’t charging more based on location.
The procedure was scheduled for Friday morning, with a check-in of 6:15 a.m. and a starting time of 8:15 a.m. More insult to injury: Tim had been planning to catch a ride to LA for a Magic tournament at 6 a.m. that day. Since general anesthetic is used, he had to be there to drive me home around 9 or 10 a.m.
Of course, I also wouldn’t have wanted him to leave right after the procedure. I doubt he would have wanted it either. And he had no qualms about cancelling with his ride. It just would have been nice for him to be able to get out of town and clear his head a bit.
He’s been nothing but supportive, while he himself processes all this on his own terms and timeline. He is upset, too, and there’s really not much we can do but be there for each other.
He put out a note on Facebook, so that we wouldn’t have to keep repeating ourselves to the Magic community. (We also figured it would give those folks time to think of something to say the next time they saw us, so they stand less chance of blurting out something cringe-worthy.)
The outpouring has been pretty overwhelming. And, of course, here and on my mom’s post, we’ve seen a huge amount of support. So thank you all for that.
And now, it being 5:45 a.m. on Friday morning, I’m about to head off to the hospital. Dread and anticipation of loss make this particularly hard. It’s nice to know you all are out there.