The past few days have been so crazy! Sorry for such a long post!
First off my hubs loves his Gan.der Moun.tain Credit Card. He gets points every time we use it and then they send him a gift card for the store after we have accumulated so many points. So you can imagine how excited he was that I have been putting all our medicals bill on the card. Well two weeks ago when I went in for our teaching session and for them to test my Thyroid I paid a certain amount on the card and then planned on paying the rest today. I made sure I paid the bill Monday so we would have a zero balance for today. I even checked it yesterday online to make sure the payment posted, it had. So this morning when I tried to pay, DECLINED!!!! Twice. How embarrassing! I called and of course you can't get a human to save your life, I even tried the "cancel your card" option thinking that would definitely get me a person. Nope.
After I got back to work I tried calling again. I don't remember the actual option I pressed but luckily I got a human. So after all the calling and waiting she told me I'm not the account holder (DH is) and she can't tell me anything. Its privacy laws. So I said, let me get this right, I can spends thousands of dollars and pay the bill but you can't tell me why its declining with a zero balance???? Her reply was: we are open until nine if you would like your husband to call then. AHHHHHHHH
Yesterday I got a letter in the mail from my insurance company. Anytime I go to the doctor and use insurance it will send me a letter showing how much my copay was and if I owe anything to the doctor. Well as you all know I had the hysteroscopy two weeks ago. So the letter I got yesterday was showing the details from that. I had to meet a 350.00 deductible and other than that I was told I shouldn't have to pay anything else, since I had insurance.
The letter yesterday said after my 350.00 deductible they (my craptacular insurance) only paid 347.00 of the 6,067.00 charge! So you (me) owe the surgery center 5,719.00 WHAT?!?!?! Start of mini heart attach and mental break down!!!
This morning when I went to the doctor I asked about it, so she gave me their billing centers number. I called and explained the letter I got. She chuckled and said let me guess, it says you owe thousand of dollars. Me: yes, 5,719.00 to be exact. Her: Just disregard the bill all you owe was the 350.00. Your insurance sent that because our surgery center is considered out of network. Me: chocking back tears said thank you and hung up. I literally cried afterwards! I was so relieved
PS- we didn't close yesterday on the refi. LONG story but it was becuase of .40 cents! Yep you read that right! Everything is situated so hopfully at 5:00pm today we will close.