All Insurance appeals....both Stanford Hosp for $261,000 and the local University Hosp here in Cleveland for (aprox $60,000) have been fully resolved and there remains no financial responsibility due from me.
I knew 3 weeks ago about Stanford being resolved, but I was certainly quite worried about the smaller amount from the local hospital because I did not have any agreement prior to my admission with the Insurance Co regarding Univ Hosp....like I had with Stanford. With Stanford, I called for pre-authorization and they promised me it would be covered, then they hid behind contractual wording to assign liability on me. With the Univ Hosp, it was considered out-of-network and I was totally unaware until "after" the fact. So that bill "legally" worried me.
I'm not sure I would have taken well to living out of my van after they repossessed my house to pay all that debt!!!!
I think "some" of my post surgical headaches should start improving now!
The final closure letter is due from the Insurance Company as to the status, but they officially told me the good news. I think they were happy to get rid of me! I was on the phones with them weekly and my calendar was marked with dates for statutes, follow-ups etc...let alone a thick file and notebook recording every word spoken between us.
Whew! I can't tell you what a relief it is to have that all behind me! I thank God for all my countless blessings.
I hope no one here will ever be in similar shoes.....but if so....will find a similar happy ending when all is said and done! My case took seven long months to reach conclusion. I-yi-yi
thanks to all of you that jumped in with support and encouragement...... you really helped to keep me focused.
Hershey's Caramel filled Kisses are being thrown your way!
Smiles....Diane : )