Medicare Open Enrollment

Medicare Open Enrollment

I’ve been on Medicare parts A, B, and D since 2011. I receive these benefits because I’m on Social Security Disability. Part A is hospital insurance, Part B is medical insurance, and Part D is prescription drug insurance. My medical co-pays have gotten to be way too expensive. I am working on picking out a new prescription drug insurance plan and possibly a Medicare Advantage plan.

I tried to look things up online, but I was very confused because there was so much information. I called a woman whose job is to help people figure all of this out, and she was fantastic. She answered all of my questions and will be mailing me more information. I’m hoping that I will be able to find the right plan for me.

The one thing that sucks is that the only other medical insurance I can get is a Medicare Advantage plan, which for me, they are all HMOs. I don’t know if I will be comfortable with a HMO. I will do a lot of research and find out what plan is best. Maybe there is a plan that has all of my current doctors ‘in-network’. I’ll probably do the research tomorrow, I’m pretty tired tonight.

When It Rains, It Pours

When It Rains, It Pours

When it rains, it pours. I’m just so exhausted with life; however, the second I think I can finally relax, something else happens. I’m overwhelmed and about to burnout. The dishwasher broke over the weekend. At least I rent this house, so I don’t have to pay to have it fixed, so that makes it simply inconvenient instead of a huge problem. It’s not like when the microwave died. I never realized until then how much we rely on microwaves.

In the yesterday, I got a medical bill for my husband for $4100; it was for anesthesia for┬áhis back surgery last year. I mailed in an appeal for it today because we met his out-of-network deductible and out-of-pocket maximum with the surgery. Since we met everything, I don’t think we should be paying this bill. I called the company where the bill was from and let them know that I sent in an appeal. At least everyone on the phone was really nice about it.

A lot of medical bills have been coming in. I’ve paid some, made payment plans with others, and also appealed one. It’s just a bit overwhelming to have all of these bills coming in at once. Many of the bills are from October 2015. They took their sweet time sending us a bill; I feel like I should be able to take my sweet time paying the bill.

My dog cut his paw the other day when he was outside. The short story is that he tripped over a tree stump. I couldn’t even see where the blood was coming from, but I was able to stop it by holding a towel to his paw for a while. Then, I stuck his foot in a bowl of hydrogen peroxide. Every other way I tried to clean his paw was not working. The bowl of hydrogen peroxide worked great. I worry about him though. He always has skin infections; they improve and then get worse again. Now, I’m worrying about the cut as well, even though it’s not bothering him at all. I’m just a worrier.

Life just keeps coming, although I wish I could take a break from it all. I suppose that’s what will happen when I’m in Cape Cod in August.

Anxiety and Bills

Anxiety and Bills

I just got back from working out with my husband, so my anxiety is already increased. I checked the mail and found some of my husband’s medical bills. I’ve been dealing with their billing department for months now because they messed up the bill by billing the wrong insurance company several months ago. Now, it’s all figured out. I did verify that the bills are correct at this point. However, I’m not happy because it’s a huge bill. On Monday, I’m going to have to call the billing department and set up a payment schedule. It’s all extremely stressful and nervewracking. I think I might go take a Valium to help me get through the day.

I like to stay on top of my bills, but I couldn’t do that with this because the billing department screwed up to begin with. At least this huge bill will mean that my husband has met his deductible, so as long as we stay in network, which we will, there will be no more bills. I’m hoping the billing department will accept a payment plan. Otherwise, we can’t pay it. I’m sure they will, most people don’t have the capabilities to pay such large bills all at once.

Right now, I just have to work on reducing my anxiety. The gym and the bills have made my anxiety pretty high. I wish I could lower it myself, but I still have to run some errands, which makes me nervous. I don’t take my Valium often. A one month’s supply generally lasts me about three months. I suppose it’s time to get ready to go run errands. Hopefully, it will work out without an anxiety attack.