Muffin has been in private therapy for going on 3 months now.
At his first evaluation with the Speech and Occupational Therapists we were told our insurance covered 50 appointments a year at our regular $25 dollar copay.
Two weeks ago it came to our attention that OT was a $75 copay. What? OK. I guess we can deal with that.
A week ago I learned that the "girl" and I say that with as little respect as I can, that "verified" my benefits made a mistake. Turns out, it's $75 every time I walk in the door no matter what kind of therapy it is.
I think my exact words to her were, "What?"
I'll never forget the way she said it. "Sorry, your insurance company mis-quoted the copay." She said it like it was the difference between $1 and $1.50.
I lost it on the phone with her. I started crying and asking what the hell I was supposed to do about the unknown bill that I had been racking up. Twice a week for 3 months and no one says to me, "By the way, do you know it's actually a $75 copay?" 3 months, $75 twice a week...you do the math. I hung up on her.
I called my insurance company in hysterics. The lady kept asking me to stop crying, I think she actually felt bad for me. Turns out they record all the calls they have with those people that verify the benefits so they know exactly what was said. She was quoted the correct amount but then called back 30 minutes later and then got the wrong info.
I'm waiting to hear back from the practice. The whole reason for this increased copay is that the practice is owned by the hospital and not a physician. Geez, I sure wish someone had mentioned that to me beforehand. If it was your job to verify benefits, don't you think you would know to point out that the practice bills as a hospital and not a stand alone clinic. Wouldn't you know that this makes a big difference in the amount that your clients have to pay when they receive treatment?
The worst part...Muffin will never see those ladies that have worked such miracles with him. Three months of getting to know him, down the drain. He actually looks forward to going. I feel so bad for him. Now he has to start all over again with evaluations and scheduling and uggg.
Please pray that we don't have to pay this bill. Please...