Ah, the health care industry. The love just keeps coming…
I got my first kidney stone several months ago. A big one. Had to spend several hours in the hospital getting GOOD drugs because the initial Vicodin the doc sent me home with didn’t help with the alternating stone movements and vomiting. Definitely appreciated the help at the time and knew I’d have some out of pocket expenses in this visit despite my health insurance.
I expected it to be around $16,000 charged. How much of that would I have to pay…praying for a low number…praying it’s something my meager guitar teacher salary can handle…
Four separate bills totaling $3790.
At the time I was averaging around $3000 a month from my teaching job, a number that was dropping because the corrupt music store owner where I was teaching was sending all new students to his favorite teacher…favorite because he put the guy on a salary and kept a huge part of his profits instead of charging him rent like the rest of us. Then there’s the other mountain of debt that builds up through usual life stuff.
I apply for financial assistance from Sutter Health, send in a fat envelope of paperwork detailing how I haven’t had a vacation in years, my car is ten years old, my 30-year-old countertops are being held together with packing tape…which I suppose I was happy to give up the night I had a stone traveling through me.
In the six months of waiting for a response to my FA request I was forced into a retail job, the situation with corrupt store owner unbearable. SERIOUS pay cut, dealing with commission and all that. So when I finally get my rejection letter last week it’s pointless because my financial situation actually got WORSE in the time after I submitted my request.
But in the form letter they sent I realize the whole effort was pointless. In the five boxes available to check off as reasons for rejection the following was checked off: Property/Assets exceed Novato Hospital’s guidelines.
Surely they’re not referring to my condo…which is deeply underwater? Or my lone rental property, which breaks even every month and would leave me with some pocket change after the real estate agent and IRS took their cut of my selling it?
Then I see articles like this one at SF Gate. YES, doctors and nurses should be paid well for their services…as I appreciated first hand with my kidney stone. But while $3790 is a drop in the bucket to them, it’s the universe to my currently $2000/month, most of that paying the mortgage and bills. How am I supposed to pay $3800? Oh…I can pay it off in a year, split over 12 monthly payments! How generous…except I was originally told it could be paid over 18 months. But no, it now had to be 12 months!
I explained my current job situation and how some months that might be workable and other months it certainly wouldn’t, meaning they would damage my frail credit sending it into collections. It took a day making phone calls to various offices to get it back to that 18 months. Whoopie.
Part of me has this horrible wish that hospital administrations and health insurance officials were struck with horrible diseases and cancer to understand the financial prisons they put us in. But I’m guessing said people have fantastic coverage that pays for everything, so there wouldn’t be any light bulb of compassion. Just the usual, “I got mine, now you pay for yours.”
What next? I’m on the verge of needing dental work, crowns, root canals. I was supposed to get yearly freckle exams because I’m seriously white and need to keep an eye on the moles & stuff. But each one they find suspicious needs to be removed and biopsied…the last time that happened I was out $600. Don’t have it, credit is dangerously close to maxing out
They should have warned me about this stuff when I was pursuing my Film Studies degree.