As if you don’t have enough to deal with when you’re on your journey with cancer, scam artists have to enter the picture.
Even if you have amazing insurance (which thankfully has been my experience), managing the financial end of the cancer journey is – to say the least – interesting.
It can be quite overwhelming when medical bills and hospital statements start pouring in.
Some of the best advice provided by my navigator was “Don’t even look at your bills while you’re going through treatment.”
It’s sooooo true.
Things can change with what you owe and what your charges eventually finalize as so the best thing is to let the filing process take place (it will take your providers at least 30 days to do this – some larger facilities take longer).
No one is going to come after you. They know how this game works.
The first year of my journey (2015), I was close to meeting my deductible by the time I had my mastectomy. I had already had my needle biopsy and lab fees associated with that, so – like I said – I was practically to my deductible.
And the surgery immediately put me over the top with my out-of-pocket maximum, so moving into a second surgery and on to chemo and lymphedema therapy in the fall was sort of financially non-eventful.
But starting off in 2016, I didn’t have the one huge event right off the bat to force me to immediately exceed my limits.
I didn’t think this would be the case because I was still in the midst of chemo when the calendar year changed. This is when I learned how “the order of things” work. What I quickly learned (from a very patient and fabulous BCBSNC rep) is that it really doesn’t matter when I HAD a procedure. It matters when they PROCESS their bill with insurance. Ah! And like I noted above, some institutions are much quicker than others….
So reaching my deductible and out-of-pocket limits was confusing to me. This is when waiting pays off. I watched my BCBS account online and saw items filed – some items filed and refiled.
I was pretty meticulous about this (and actually found it interesting to look at what charges for myriad of processes and procedures of my treatment were) so I worked pretty hard to match my paper invoices and statements up with what was filed online.
This is where I got confused and learned the lesson to just let everything work itself out.
I thought people were double billing. I thought I was getting charged past when my limits were met. I thought charges were issued on dates that I wasn’t at particular facilities.
It will make you insane – if you let it! So don’t.
I only let it consume me for a couple of days and then I talked to the fabulous BCBS rep that I referenced earlier. And after that I could just let it go!
I learned that you’re not only going to get invoices from some institutions, you’re going get monthly statements. I have so much paperwork from JUST invoicing, that I created a separate filing system for that and all of the other paperwork pertaining to the journey.
Actually, the American Cancer Society sends cancer patients a medical paperwork filing folder. But I already had ones set up and actually preferred having mine organized in separate folders by “other” paperwork and invoicing because it really is 2 different worlds of your treatment.
After learning how to “collate” my invoices, I could see how many of them were pertaining to the same charge. The reason you have to watch this is this: I saw some of the charges change. I also had charges from invoices that didn’t match the details for the corresponding insurance filing.
So I kept my checkbook closed. It was the end of the year before I actually paid this off. It was liberating when I did (and I wish that could have happened earlier) but I did NOT want to pay something that would need to be refunded to me. These places take as long or longer to refund something as they do to process it. You really don’t want to have to wait 90 days for CMC to refund you several hundred or thousand dollars.
The “fun” part came when the calls started.
I knew this was unusual because larger medical orgs are sort of like the IRS, they don’t have the tie nor staff to call people about accounts. They send you a statement and ask you to call.
I actually only had 1 group call about an invoice. It was the radiology folks. They are much smaller and handle their own stuff….not woven into part of CMC. They even involved a collection agency. But the amount was in the 4 digits, it was in the 3-digit range so I had an easier time with it. I did explain that I was trying to make sure that I paid the right people and not people whose invoices preceded the whole insurance deductible/out-of-pocket limit shake out. They were very helpful and cordial about it.
Make a note here too, if you get a call from a “collection agency” representing the organization you owe: A collection agency will not be in contact with you at the same time as the organization… The organization CAN NOT contact you after they engage the collection agency. So the first clue that the collection thing is a scam is if you are still getting invoices from or you’re talking to your provider.
So I mention scams.
Yes – there are people who are low enough to prey on cancer victims. They know that the details and side effects of your treatment is confusing and brain numbing enough that they may be able to get some money out of you before you realize you’re not paying the right people.
It’s important to KNOW who you’ve paid, who the organizations are that you owe and the status of your accounts.
These people are aware of this and call themselves names that are very close to the organization where you went.
They are devious. Don’t let them pull one over on you. It’s great to let them know that you now they are scammers. It makes them mad sometimes and that will at least give you a laugh as you have to deal with such scum.
It’s not just coincidental that scam is only 1 letter different than scum.