In my How to Handle an (Un)expected Medical Bill post, I shared about how this is my third time having a baby with my doctor’s office, so I should have known that I needed to prepare for paying my health insurance deductible upfront. In that post I shared my plan for paying them the money even though legally that money wasn’t owed yet and how we were planning it out so we could avoid having to reach into our savings for it since we didn’t consider this expense an emergency.
Even though it shouldn’t have been a surprised to me when my doctor’s office asked me for my deductible, it was and I shouldn’t have given it to them.
You see, now that we’ve almost paid them in full I wish we hadn’t, because now I have no way of getting my money back until after I have our baby. I’m sure you’re wondering why I want the money back since I will still have to my deductible in order for my insurance to cover all the medical expenses of having a baby.
I want to leave my doctor’s office and never come back. I want to find another practice to have my third child with because you would think that I would have learned after my first two pregnancies, but apparently, I thrive on learning things the hard way.
I’ve been going to my doctor’s office for over 15 years and have had all sorts of medical issues that have resulted in surgeries, tests, and even having to see an oncologist. I’ve had both my boys with this practice and currently am receiving my prenatal care for baby number three from them, but I am nothing more to them than a number now.
My doctor’s office has grown exponentially over the last five years and as a result, I no longer feel like they have my best interests or the best interests of my unborn daughter in mind. A few weeks ago, as mentioned in my recent goals update post, I was in the hospital for over 7 hours stopping contractions.
Here’s the thing, I kept complaining to my doctor that my Braxton Hicks, which I’ve had with all of my pregnancies, were getting bad. Like to the point that I was nervous that they were going to turn into real contractions. They just kept telling me to drink water and rest when I can.
Well, after three days of contractions I couldn’t even talk through, I was done with my doctor’s office not listening to me. I took myself up to the hospital without “their permission” (yep, I got in “trouble” for showing up in triage without doctor’s orders….) and after the nursing staff hooked me up the monitors, they started rushing in with IV’s and several tests. My contractions were still Braxton Hicks since they weren’t timeable but they were so strong and I was having more than six in an hour that the nurses feared I was really going to go into labor.
After seven hours, fluids, and the terbutaline shot, I was sent home. The next week at my doctor’s appointment, the doctor walks in and says “you look familiar”….. “ummm, yes you delivered my first child and I’ve been your patient for over three years…” was my response.
Then to top it off, I had two contractions while attempting to speak to him about my hospital visit and contractions. He informed me that I was fine since my fFN test was negative and to just drink water (side note, I was drinking water out of a water bottle that I brought with me as he said this).
I came home and told my husband who said that we should just change doctors because we were both tired of feeling like there was no time for us there. After phone calls to the doctor’s office and our insurance company, we found out that there was no way to get back our money from the doctor’s office until after we had the baby and the final bill had been sent to our insurance company.
Our insurance company informed us to not pay them another dime towards the deductible because legally, we didn’t owe our doctor’s office any money until after the insurance claim had been processed.
Total money failure right here folks. Trust me; I want so badly to change doctors because with each pregnancy, my experience gets worse and worse with them. You would have thought I would have learned by now.
So, take this as a lesson learned for you – save up your medical deductible but don’t pay it to your doctor without an actual bill, because you can’t get your money back in case you decide to leave the practice or have a medical emergency resulting in a truly unexpected medical bill. And your insurance company will probably advise you against doing this anyway.
What is a money mistake that you have learned recently?
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