I had a weakness of faith this afternoon. It didn’t last long but the temptation to believe that GOD is limited in insurmountable odds against us. You see, I was struck by the devasting news that placed money before the quality of health. After, calling several times this week, I finally got the hospital to call me back with the amount of money required to admit Robert into the hospital for surgery later this morning. They told me at 4:20 p.m. yesterday, that I needed $18,368.00 down payment on a $25K+ debt to be incurred.
I called Elder Bruce at Eagleview Church and he prayed for me and Robert; for wisdom, strong faith in times of peril, and to allow GOD to do his job in us. So much is running through my mind even as I type. The only solution is to go to the Emergency Room and see if they will admit Robert into the hospital so he can have “emergency” surgery today. There are no guarantees that he will be admitted. They may give him nitroglycerine for his pain and send him home.
Then, I will have to try and reach out to news stations for assistance. Even if they admit him when it is all over with I am going to reach out to the television reporter about the insurance coverage we were supposed to be purchasing. It is not morally right to tell us that we are buying coverage for hospitalization and sickness, then switch it to another plan without telling us- which is what occurred. It was a limited medical plan in that prescriptions were not covered and we were limited to five doctor visits per month. The doctor co-pay was to be $25-$30.00 each sick visit and our doctors accepted the MultiPlan insurance program. I was also promised a 70% to 40% discount on hospitalizations in the network. We were also allowed one ambulance coverage and two emergency room visits. Anesthesia, in an outpatient surgery, were covered.
The reality of what we actually bought hit at 4:20 p.m. The hospital is paid $750.00 for one day of service. The anesthesia is paid $187.50 for one service. The surgical procedure is paid $750.00 one visit (but the hospital would not deduct that from the bill until services are rendered). The total estimated bill is $25,263.68 and the hospital wants an $18,386.00 deposit at the time of admittance to the hospital. And the doctor bill of $1,500.00 was not covered at all. I was in a tailspin- we don’t have that kind of money period. The savings I do have will only get us 6 months living expenses with all of Kassidey paycheck being applied. And that is not including additional medical or any other major expense that may occur. The hospital was firm but friendly. They do not have a benevolence program for charges to be incurred or deposits required. They did say their benevolence program allows for 1/2 the balance be paid and then 3 monthly installments afterward to be paid. I don’t blame the hospital for wanting to be paid upfront. I just wish they would have a heart and put us on a payment plan that I could live with.