14 hours ago
Monday, October 12, 2015
American Medicine: Best In the World
So I have to get this root canal, right?
Luckily I have dental insurance. Right?
Except in July my kid had her wisdom teeth taken out. Which I paid for with my Health Savings Account.
American health insurance being what it is, when you use it, you're fucked. (Apparently you're supposed to have it, not use it.) I used the benefit card that came with my HSA, which triggered this audit function, and froze the card. Since July, y'all, I've been fighting with the HSA company about the $625.00 co-pay which was our share of having the kid's wisdom teeth removed.
The HSA benefit card is still frozen. Oh, and our deductible is still not yet met. (Yes, even after paying $625 in July.) So Tuesday I have to go in for this root canal and pay $258.00 (my share of the root canal) out of pocket. I have it in the HSA, but I can't access it, because the benefits card is still frozen.
(Why is it still frozen? Because the insurance company -- yes, the same insurance company that controls the benefits card -- had not, until about a week ago, issued the EOB on the wisdom tooth question. Now it has, but it will take four to six weeks to unfreeze the benefits card. Explain to me one time why socialized medicine is worse than this?)
Then next week, I will have to pay out $421 dollars for my ulcer procedure.
Did I mention we owe almost $2000 in back taxes?