About a month ago I had a little motorbike accident (ok, it felt like a pretty big motorbike accident when I hit gravel and went down at 65 mph). Anyway, I ended up in the Emergency Room with a massive (I thought so) cut on my leg and I had x-rays of my legs and wrist done. I wasn’t taken by ambulance as it wasn’t really that bad, although it felt so at the time.
|Waaa... I broke my bike|
|And my helmet... [*sad face*]|
So today, I rang them and after having being on hold for about 20 minutes, this conversation ensued after I had given them my date of birth, my account number, my home address, my first born….:
Me: I don’t understand why I got this bill, I have insurance and I gave the information to the hospital
Them: We show this was as a result of a motor vee-hick-al accident
Me: Yes, it was
Them: We need the information for the other driver’s insurance
Me: There wasn’t one, I was on a bike.
Them: So there is no health coverage from a third party?
Me: No, but I gave my health insurance card at the hospital
Me: Ummm… okay [actually thinking what the heck?]
My question is, why did they not use my health insurance first? This is the whole problem with the American healthcare system. People are so quick to sue each other your insurance company would rather get the money directly from someone else, instead of using your own insurance (which you pay a mighty amount for every month, by the way) and then threaten to send you to collections if you don’t pay the bill, which you shouldn’t have got in the first place because you have health insurance…. It’s an endless bloody circle.
Shouldn’t they have used my insurance first and, assuming someone else was actually to blame, then attempted to get a refund from them? Why should I be threatened with collections when I pay a bloody fortune every month in case I need a doctor?
Okay, rant over.
I have been told they try and get paid by other insurance first because if they use your health insurance, they will have to give a discount, but if someone else pays, they can get their whole extortionate amount. I'm still mad.