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Thursday, February 23, 2012

2-23 2011 Medical bills and my out of pocket expenses



I'll start with saying it is disgusting how much of a discount is given to the insurance companies. If had to do this all out of pocket I would be liable for the full amount where insurance is only having to pay about 1/3 in a negotiated discount. And,  I'd like  to apologize for being one of those people that drive up our insurance costs at work. 
$125,585.56 2011 total charges approved 
$32,793.00 2011 charges rejected  (some of this will go through and I imagine some I will need to protest)
$6620.00 out of my pocket for insurance co-pays and deductibles 
$2500.00  out of pocket misc.   this is what I estimate I spent on vitamins & supplements, hair and clothing specific to the condition, prescriptions not covered.
$2-3,000.00 Lost wages estimate   After my sick time and vacation time was spent, whenever I worked less than 40 hours a week I took a pay cut. 
2012 is clocking in over 35k already with my month of radiation in January. 

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