Cross America is the health plan that my wife has until June 30. We will be so thankful when we are done with this insurance and we will be with Aetna and the ELCA insurance plan.
We were only suppose to be with Cross America till December 31 and then we were going to move on to North Indiana Conference insurance ( as our employee handbook states ), However, the church ( of SPRC ) decided not to make the move to the conference insurance.
It is extremely ironic that they believe they met their commitment to us even though they are not doing what is stated and required in the employee handbook. hOWEVER, that is not what the post it is about.
After 2 1/2 months, we finally received word from them what they will be paying for surgery 1 & 2. The cost listed below is through the hospitals. The charges were $ 17,893.49. Our wonderful insurance paid $ 2,000. Thus, the patient responsibility (that is us) is $ 15,893.49
Wow, thanks alot insurance company. That really helps.
My second ironic thing about that is that we would be better off if we did not have insurance because we have paid more than $ 2,000 in insurance premiums to them. I knew the insurance was bad but that is terrible.
So, our debt will be going up, up, up and up. I am not sure what we would be paying if we were with NIC but I do know what we would be paying with our new insurance and let me say, I can not wait to have them in our corner.
If we knew that the church would not have followed through with their group insurance promise, we would not have left Discovery and came to the church here. However, as I have tried to stay positive with everything over this nightmare over the last 5 months, here are two positives:
1. I have met some tremendous individuals in lafayette and my love for them ran deep even though it was / has been a short time.
2. I am beginning a new stage of life with a FANTASTIC church and we would have never connected if I did not come here and had the insurance fall through.
So, tomorrow, I am off to the hospitals and going to financial counseling at the hospitals and see if they can give some discounts and set up payment schedules.