The cool thing about all the breastular drama is that, just by sitting on hold and staring at my claims page on the computer screen, I am learning a lot about dealing with health insurers.
The main thing I learned: QUESTION EVERYTHING. Every single claim. Are you listening, readers? (Canadians, French, Norwegians and others from civilized countries, please ignore me).
I saved about $100 in 5 minutes today by questioning my coverage. For my annual gynie exam, which is supposed to be covered at 100%, my doc had coded it "diagnostic" instead of routine. That little check box was going to cause me to be charged $60.49. Nuh-uh. I got the code changed and don't have to pay anything.
And my annual eye exam? They admitted that they would cover $40 even for an out-of-newtwork provider if I mailed them a receipt, something they had neglected to tell me.
Bingo. $100. Next?
I actually have Mir to thank for many of my recent money-saving exploits. I met Mir at BlogHer and was instantly taken by her.
She is so brainy, so funny, and so chic that one can't help but be drawn into her sphere. She loves to shop and she loves to save money.
A half-dozen of us stood like stunned mullets as she described how she bought a fabulous designer bag for something like 1/8 the original cost: she asked for a discount at a retail store where the bag was already marked way down.
We looked at her like she was an alien species. Ask for a discount? At a retail store? Isn't there a law or something?
She gave us her carefree Mir grin and said "Why not?"
Why not indeed. She is an inspiration to penny-pinchers everywhere and I, a formerly full-price bashful shopper, have taken up her banner. The other day I was in a thrift store (Thrift store, people!) buying some pants that were marked $4.
"These are kind of worn," I said. "Can I get a discount?"
I got them for $2. Yee haw. I hope Mir would be proud.