I (Foul Language) HATE The Insurance Company

Every time I think I am completely through with the insurance company they decide to throw me a nice little curveball. I have gone through a heap of rigmaroles with money for hospital bills from my surgery and then ONE YEAR LATER they send me a statement of overpayment.

I got a letter in the mail saying that the insurance was reviewing their records for surgery that I had ONE YEAR AGO and they found that they had overpaid the hospital to the tune of over $900.

Yes, seriously $900 (it is more than $900 but I thought I would just round it off).

I now owe this money and they will send further correspondence about how to pay it.

Seriously?

* Lulu jumps up and down shaking her fist in anger*

I have just recently paid off some bills for money that they said I owed becuase of an accounting error and now there is another one? For almost one thousand dollars!

One thousand dollars that I certainly DO NOT have. One thousand dollars that will set me back on my other debt repayment significantly.

* curses *

I have no idea what I am going to do now. This is going to affect my snowball payments because I had planned on making extra snowflake payments to the next target on my list which is a credit card since I just Fully Paid Off My Lending Club Loan. Now I have to take this money to pay the insurance company back for THEIR MISTAKE which means I will be making NO PROGRESS on debt repayment for the next few months.

I mean this seems to be a never ending story. There was the $249 Anesthesia Bill from 7 months prior and I thought that was the end but it seems the insurance company is playing games with me.

This is really frustrating!

Author: Lulu

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3 Comments

  1. I hear ya! That’s friggin irritating. Have you called them? Did they send you proof of this accounting error? I would call them and tell them that you want a payment plan because it was their error and not yours.

    Try to take some deep breaths and calm down, though. Yeah, this is frustrating and an unexpected glitch in your plans, and it’s totally their fault, but getting stressed out about it isn’t going to solve anything. It’ll just make things worse.

    Good luck!

    Jennifer @ Money Saver 101’s last blog post..The Economy, Bail-outs, and Rep. Ron Paul

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  2. Wow, I’m sorry this is happening to you. I would suggest contacting the insurance company and seeing if they can work out a reasonable and interest-free payment plan for you to pay over time. Because it is their fault, they should at least give you this courtesy.

    Just remember to keep a cool head if you call them; the person you speak to most likely isn’t the one who committed the error and being courteous to him/her will get your further. If you feel that you might lose your cool over the phone, I’d suggest writing a letter with your request.

    Asking if they’d be willing to take a little off the amount couldn’t hurt either. Just explain your situation to them and ask nicely. It never hurts to ask and you might be surprised.

    Good luck!

    Penelope @ Pecuniarities’s last blog post..If You’ve Never Fallen Off a Horse, You Just Haven’t Ridden Enough

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  3. I’m so sorry. Insurance companies can be so incredibly frustrating. Anytime you have to deal with any bureaucracy it’s piles of paperwork, red tape and mistakes. I hope you’re able to find a good resolution and maybe it will lead to them cutting you some sort of deal.
    Best,
    Jerry

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