There was an ER visit in the Pithy Title household last month (don't worry, we're all fine). Our health insurance carries a $100 ER copay and a $0 copay for lab work. So, imagine my surprise when I opened the hospital bill to see a balance of over $1300 staring me in the face.
Luckily, the insurance company's explanation of benefits arrived the same day as the bill. Seems that rather than applying the $100 copay to the entire visit, they applied a $100 copay to each line item, including all the labs.
Their claims department isn't open when I get home from work, so of course the one day this week I've managed to haul my sorry butt out of bed early enough to deal with it before work, I get the following message:
"You've reached the answering service for the claims department at XYZ Insurance. The call center will be in a staff meeting until 10:00 this morning. Please try your call again later."
I've had this insurance company before, and they were nothing less than wonderful the first time around, so I'm hoping this will be easy, and that my current crankiness is unwarranted.