Friday, January 14, 2011

Score One for Me in 2010 (I guess...)

I've just been reviewing my recent health insurance claims from the last few months of 2010 and I noticed something unusual.

Perhaps I should back up a bit. I am mildly ashamed to admit that I very rarely bother to review my processed claims. It's so rare that I have an issue, and the bills I receive from providers are almost always minimal. So I usually just go with whatever they send.

Now that my brain is emerging from the fog that was the end of 2010, I realize that I never received ANY kind of bill for the second opinion back at the beginning of November. Nada. Zilch. Not even lab work, which would have come from the lab directly. And that includes the much debated AMH test which my insurance informed me in advance would definitely not be a covered expense.

And I vaguely remember a phone call from the specialty pharmacy at the beginning of December during which the billing rep told me they would be refunding my copayment for the last batch of Gon.alF I ordered in August because my insurance paid it in full.

That's weird, why would they have done that?

With these nagging little items gaining ground in my consciousness, I decided to investigate. So I went online to review my recent claims. Those charges were all in there, claims processed and completed. Under the column heading "You Pay Out of Pocket", each one said $0.00. This goes all the way back to mid-August.

There's a thought pinging around in the recesses of my mind, but I don't know where it came from exactly. I think I met my out-of-pocket limit for the year. For the first time in my life. After which point, my insurance paid for everything.

Does that actually happen?


  1. I'm as bad as you are at looking at my insurance statements there are just too many of them.

    Awesome that they started picking up the tab..not awesome that you had to shell out so much money to get there.

  2. In a magical land in my imagination, it has happened!

    It sucks that you've gone through so much medical crap to get to this point. Really sucky.
    But benefits like those are truly awesome.

  3. Same thing happened to me. Pretty awesome!

  4. Glad to hear that you are getting some financial help with this. Best of luck to you for your take-home baby.

  5. I'm expecting that I hit mine last year too, but still waiting on some November and December charges to hit so that I too can marvel at it!! :)

  6. That's pretty amazing in a good and really shitty way! Let's hope you don't even get CLOSE to meeting your out of pocket limit in 2011. Come on IUI!

  7. That is awesome and a little sad in a way. I never tend to look at mine either unless it's a bill saying we owe stuff.