Now We're Rich

An on-going frustration in our lives in insurance companies. We actually have two insurance companies for medical and two for dental. At this point, we entirely pay our secondary medical insurance costs, since Congress ruled that companies like JD's can not pay it for retired military and we pay our dental policy coverages. We added the second dental insurance once we were hit with Ben's dental night-mare bills a few rounds. In my mind, we pay our insurance bills, we pay our deductibles, we pay our co-pays, so the insurance companies should just pay their portion with a good attitude. BUT I always, always have a pile of medical bills that we have to call on over and over to get them to pay as well as ones we have to just pay and then beg the insurance to refund us. I've been battling a $500 bill since Alei had her wisdom teeth out in early November. I had to pay it that day in spite of it really being the insurance companies portion. Turns out that the doctor never even turned this one into the insurance company, so now I'm frustrated with them too!

So, when I opened this check the other day, I was excited thinking that the $500 check arrived, but no, apparently I overpaid a Durango doctor by a penny and he was refunding me. Wow, and I didn't even have to call. I wish some local doctors could take a lesson from them.

To add insult to injury, Congress now decided that we can no longer buy over-the-counter medicines with our own Flex medical spending money. The bad part is neither can we reduce the amount that we are paying into the account each month; so although it's our money, we can't have it back or use it! I can't take much more medical "reform."