Seeking God Knows What

my insurance frustrations is to tell Psychiatrist Guy at my appointment today who then gets the clinic manager (even though she is the outpatient manager) who says “Don’t worry about it. I will call them for you and get this sorted out.” This was after I talked first with the insurance company about one bill and she says “well, this bill has the deductible included and then we covered 50% of the remaing but everything else is rejecting including your facilities charges as service not payable in this location, so you have to call your hospital billing department”. Then I left messages to check on the referral PH’s office was supposed to send and the hospital to discuss setting up a payment plan for that initial bill and find out what was going on. PH’s office called back and said they faxed it a week ago. So I called the behavioral health clinic where it was supposed to go but they didn’t have it. The hospital billing dept never called back, so I called them again. The woman was rather brusque and asked if this was the only charge and I said I don’t think so. She began looking up the other charges and I got an indication of the grand total prior to insurance payment, which is A LOT and 50% of it is still a pretty hefty sum for us- this initial bill is maybe 3% of it. But then I got disconnected when she put me on hold and then after I called and got someone else who took a message for her, she never called back. They need to work on that issue.

However, I’m going to try to not think about it until I hear back from the clinic manager with what I need to do next. It isn’t like I have the money to start paying it off.

I did figure out how to get through our bills, although some will be late, mainly because we are going to skip/delay next month’s mortgage payment in order to get the mortgage company to stop telling us they can’t do anything because we aren’t delinquent. Apparently trying to be proactive about the issue is not what they want. Still dumb.

And Psychiatrist Guy did up my Zoloft another 50 mg because I’m just not getting there. It makes me a little concerned about the whole sleep thing being worse but he did say I could take two of the Seroquel if I needed to.

Well, we signed all the paperwork with our realtor friend to list our house. Our starting list price is already $10,000 less than we owe. I suspect when all is said and done, any offer we submit to the mortgage company for approval will be around $20,000 short of what we owe. Big fun.

And I have graduated to every other week with #5. He suggested it, although it was after our discussion about debt and how I feel about it since I have been the main money manager and the spender. I realized I was far more stressed and anxious about it than I thought. He suggested looking into a Dave Ramsey course (there is one going on at his church, where his office is but it is about 5 sessions into it), which is funny because our realtor asked if I had ever read or heard of him too. I guess I will look into it.