Persistence counts for something

After 5 months, I received this piece of mail I had been waiting for and fighting for.



If you can't see what it says, it says "Patient Responsibility- $0.00"

Since Matt is self-employed, we are on a private health plan which doesn't give the greatest benefits, its more for catastrophic coverage. The maternity deductible was $5000. Ridiculous, I know. However, we wanted another baby, so we made it work. We did some finagling with Aflac and such, and had a pretty good financial plan worked out so we would end up only spending about $1200 out of pocket. Totally do-able. Well, my lovely insurance company pert near made me go crazy these last few months. They denied two of the biggest claims because there appeared to be complications, they said. We were going to have to be responsible for the $4700 + they were not going to cover. My labor and delivery had zero complications. I contracted and pushed, he came out and breathed, and we hung out for a couple days watching ABCFamily and TBS in the hospital. I couldn't think of what could have been considered a complication. I marched myself to the hospital to review the medical records. It clearly stated "NO complications" right at the top. My blood was boiling. So, after 3 billion phone calls to the insurance company and getting different answers every time I called, I got it an appeal in the works. After 3 billion more phone calls and a threat that I would get an attorney(ha ha like I would ever even know where to begin with that...), the appeal got approved and I received my long-awaited piece of mail. Seriously, 5 months later. At times, I about threw the towel in and paid the danged balance, but I was determined to win this because I know they were giving me the run-around. Lesson of the year--- don't give up when you know you are right. And I am ALWAYS right. JK

This guy would have been worth it no matter the outcome.