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Trenton Nj area... this what the hospital charged... We pay for our insururance being self employed.. I turn 65 in NOV. and am here looking for guidance.. but at the moment our payment is 1598 a month for HMO insurance .. Hospital bills makes a deal.. with insur... but without ins. we would be obligated to pay all... For Jan.. they paid Hosp. 10.000 instead of the almost 19000..
On top of that we are arguing with the ins. co. about the orth doctor she was sent to after the hospital said they were in error that bill is almost 1000 plus the 240 I already paid them.. Our doctor sent her there but did not do the electronic refural..on time.
Didn't realize you must have your daughter on your insurance; some help but certainly not enough. I'm sure you won't be complaining about the donut hole as believe me even tho it cost me $6K last year for Medicare premiums, Medicare supplement prems and the Part D prems as well as the drugs that weren't covered or had copays, it was such a relief to know I had some help....being without any coverage except for some drug coverage was rough so I can emphasize with you....but instead of crying the "government" should be taking care of you like someone else on here you did what I did....negotiated where you could and sucked up the rest. That's why now that I have at least some help I don't want it messed with.....and this is the first year I was elgibile for help from pharm companies....that's a real Godsend. Of course it only came about because my annuities dropped in the payments I received and it's not a total wash by any means but I'm grateful for not worrying about emergencies like the kidney stones....of course since I turned 65 haven't had a one....in fact the only two I ever had were during that year of only partial coverage! I do have one but we just xray it once a year to see if it has grown any and if it does then I'll hope that there is still covearge under Medicare to smash it. Years and years ago (in the 70s) I had to have two very large ones surgically removed....lost a rib along with them....today they would be perfect candidates for the "tub". I'd be contacting the primary who didn't do his paperwork timely and inform him I'm looking to him for assistance in getting the bill paid correctly....otherwise I'd have to contact the state medical board to report his negligence. I don't have a problem taking on the local doctors when I think it is warranted.