I agree, it is amazing how often insurance companies makes mistakes. I have my own little spreadsheet with everything that we pay in. Just cuz I’m always curious when I will meet a deductible or out-of-pocket Max. It’s fun to meet the out of pocket max, then everything else the rest of the year is covered. That’s when I will do extra things like see doctors that I don’t really want to pay for.
Anyway it seems like most of the errors are in our favor. And I even called to find out why so they can change it. But the people answering the phone have no idea about calculations, and when it gets passed to the accountants, they just let it go. Oh well I try to be honest. Once I got a big stack of papers just a financial calculations and they told me I could find it if I wanted to. I just had it I really didn’t want to go through all that trouble. I was trying to save them money!
She finally got hold of someone at the insurance who told her ‘we can't buy you a wheelchair, but we can rent you one’. Huh?? Turns out that's common practice with durable medical equipment; it's not bought outright by the insurance but rather they ‘rent’ or ‘lease’ it until it's paid off. So she finally got her wheelchair. But because she was saying ‘buy’ instead of ‘rent’, she went for at least a year with a broken-down wheelchair unnecessarily.
I try to remember that when I'm talking to members-often they don't get the answer they need because they don't how to ask the question. So I end up with 45 minute long conversations about Medicare. LOL