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?