Talked to Donna – the billing person at my doctor’s office. She was going over the insurance approval process and billing side of the surgery. My insurance is $1,000 deductible for the year (I think I still owe about $670 or so towards that) and the insurance pays 80% and I pay 20%.
So I owe my doctor $482 for surgery and I have a $629 balance on my account. For my pre-op appointment on Monday, she wanted the full $482 but I told her I don’t have that since we’re between paydays. So on Monday I’ll bring $300 and then on Friday the 7th (Love’s payday) we’ll pay another $211. (Bringing my balance down to a flat $600.)
Okay, fine. The problem is that apparently I need to bring money upfront to the hospital too on Monday. Problem is, I don’t know how much they’re going to require.
Problem is that until the 7th, we’ll only have about $200 left in the fund, cash on hand. If the minimum they want is my deductible amount, I’m $400-odd dollars short. If they want some percentage of the 20%, I’m completely screwed.
I broke down crying on the phone with my Mom because I just can’t bear to come this far and have to postpone or delay it for more money woes. I just can’t. This constant money worry is killing me. I just want to get on with my damned life.
So now I won’t know anything until Monday. Mom thinks we can “work with them” but I’m not as confident. If they want a set amount and I don’t have it, I don’t know…
8 days and counting. Hopefully.