Part of the Outrageous Marketing Margin
Of pharmaceuticals. Is paying for my health insurance. I have great insurance. I feel a little guilty about that. Especially since I have far better insurance than people who, I don't know, work for health care providers. My premium is $1/person/pay period. And it's just little ol' me.
That trip I made to Urgent Care to get my ears power washed? Co-pay: $35. Total actual cost: $111. $111! For a giant syringe full of water. And to find out my blood pressure is still normal.
!!!
I haven't been to the dentist in about 4.5 years and I'm starting to feel shamed about that. I know it's gonna be kind of a mess. But at least for that first trip for cleaning I'll only have my $25 deductible and 0% coinsurance. For everything else, which I hope to gawd doesn't go beyond "Basic Restorative," I have 20% coinsurance. "Major Restorative" and "Orthodontic" are 40%. Crikey.
I also have yet to submit a claim form for my therapy bills. Purely out of laziness. I can afford it out-of-pocket, but why should I keep paying for it if I don't have to, ya know? Those ought to be subject to a $10 office visit co-pay and no more. I think. Guess I'll find out.
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Damn, that is awesome coverage. I work in marketing think I could get on? Dental sucks everywhere... Therapy bills? Dunno, Ive read stuff about that showing up on your credit report later down the road...
Ive read stuff about that showing up on your credit report later down the road... -- For real? That's kind of fucked up. My credit's already less than stellar, so I guess I'm not too concerned about that.
That doesn't make any sense whatsoever, unless you had a huge unpaid debt to a counseling agency. Since most agencies and private counselors require money upfront, I can't see how else that would end up on your credit report.
I've never heard of that either. Like Lach said, unless you owe them money, there's absolutely no reason for it to appear on a credit report.
I know I never filed therapy claims with my insurance because it becomes part of your medical record. Depending on what clinical diagnosis your therapist puts down on the form, it might create problems down the road in terms of treatment or obtaining coverage, you know, pre-existing and all that hoohah...