About Gastric Girl

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Tomball, TX, United States
My name is Laurie. I'm 34 and I live in a suburb of Houston, TX. My life isn't super exciting or ultra dramatic, but I love it! My blogs are just a peek into my life as I know it. I'm quite random and have an opinion on everything, but I love everyone's aspect on things, even if I disagree. The world would be quite boring if not! :-)

3/26/2009

Insurance is CRAZY!

So, being the freak I am, I decided to look at the medical claims on my insurance site again. Well, the hospital one came in, and it's making the surgeon one look like chump change. The member responsibility on the hospital bill is $33,400+. WHAT THE HECK!? What are they filling out wrong for them to be denied? I just don't get it. I even got a letter in the mail that the hospital bill was covered. This is freakin ridiculous. If all this goes through the chain and I end up being responsible for all of this nonsense, I will NOT pay it. That's what insurance is for, and they make doctors and hospitals write off gargantuan amounts, and there is no way in hell I will pay the full amount due.. SO THERE!

Anyways, I can see that I will have lots of phone calls to be making in the near future. Lovely! Have I ever mentioned that I hate dealing with doctors and hospitals? Well, let me tell you... I HATE IT!

Anyway, last night for sushi happy hour was nice. I was strong and did not have a happy hour cocktail. :) I'm very proud of myself! After happy hour, I went to Memorial City Mall to Macys. I got 2 $50 gift cards for Christmas, and I still have one that I haven't used. I have been three times and I just can't find anything that yells out to me that I just have to have! Which, if you know me very well, is absolute CRAZINESS! I usually find wayyyy more things than I could possibly want, need, or afford. Maybe I really am reforming myself financially and finally growing up. Even though something is basically "free" for me, ie. gift card, I can't justify spending $30 on a T-shirt... or $90 on shoes. Wow, who am I? LOL

I may end up using it at the Estee Lauder counter or Clinique counter since I'm not finding any clothes. My bank has a rewards program when you use your debit card as a credit card at differnt places, and I just earned enough points for a TJ Maxx $50 gift card. I know I'll have no problem using that card! LOL I love that place! :)

I may blog again later, but I'm having a really busy day today, and I've griped enough for now! hehe

Hugs to you all! :)

6 comments:

Liza said...

That totally stinks about the insurance! I say some retail therapy is definitely in order :) If you can't find anything to use the gift cards for, send them my way, I would be happy to take them off your hands :)

Jil said...

The hospital stuff will sort out...you will be fine...and as someone who does know you personally, I am so proud of your reformation!

Love ya my little wooden spoon...Jil

Kim H. said...

Hey Girl, remember that doctors and hospitals WAY overbill the insurance so that they can get as much as they possibly can. Once the insurance sorts out what is an allowable charge - the amount is very different.

I know it's frustrating, but hang in there - and it will work out. It's all a big crazy mess - but it flushes out in the end.

Conrats on your retail reform... I'm proud of you too!

Kim said...

I was supposed to have a sushi lunch date for tomorrow but my friend had to back out till next week. How 'bout you fly to Maryland tonight and join me for lunch at 12:15 at the House of Kobe? ;)

william said...

Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss.
Basically it means as a equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed small loss to prevent a large, possibly devastating loss.the insurer is the company who is selling the insurance policy and the insured is the person who takes that policy.The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium.there are various types of insurance such as:-

1. house insurance

2. car insurance

3.human insurance called as medicare

4.shop insurance
and so on.

i mean to say that at present world atleast in all fields the insurance companies will provides this insurance facility to secure our property in the cricis.the insurance also protects our spent money in some field by providing their required amount of our damage property.if we claim for our damage property the insurance company will provide the required price of that property at present time.it's property i am talking about it covers all those things for which we takes the insurance policies.

here below i tell you about some losses and their premium and how the losses are calculated, so take a look on that:-
# Definite Loss. The event that gives rise to the loss that is subject to the insured, at least in principle, take place at a known time, in a known place, and from a known cause. The classic example is death of an insured person on a life insurance policy. Fire, automobile accidents, and worker injuries may all easily meet this criterion. Other types of losses may only be definite in theory. Occupational disease, for instance, may involve prolonged exposure to injurious conditions where no specific time, place or cause is identifiable. Ideally, the time, place and cause of a loss should be clear enough that a reasonable person, with sufficient information, could objectively verify all three elements.
# Accidental Loss. The event that constitutes the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be ‘pure,’ in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements, such as ordinary business risks, are generally not considered insurable.
# Large Loss. The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonably assure that the insurer will be able to pay claims. For small losses these latter costs may be several times the size of the expected cost of losses. There is little point in paying such costs unless the protection offered has real value to a buyer.
# Affordable Premium. If the likelihood of an insured event is so high, or the cost of the event so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer. Further, as the accounting profession formally recognizes in financial accounting standards, the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. If there is no such chance of loss, the transaction may have the form of insurance, but not the substance. (See the U.S. Financial Accounting Standards Board standard number 113)
# Calculable Loss. There are two elements that must be at least estimable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.



info@adsenselover.com

Liza said...

Thanks for your sweet comments on my blog (tried to email you but I couldn't find one). I am so touched by how welcoming and friendly the "WLS Blogging community" is! Looking forward to keeping up with each other!

Liza