Vent. (Context: Mom is single, I’m an only child, and she’s very nice but not bright.)
I spent a thousand hours during open enrollment season trying to find a Medicare Advantage plan for my mother that would cover X procedure she needed done. Miraculously, we found one that would cover it 100%. Free! Mom could get this $15k procedure for free!
Well, we’re on the phone this week and she mentions to me that she charged the preliminary parts of the procedure to her credit card. “What are you talking about? It’s supposed to be free under the new plan. Why didn’t you tell me before you paid for something?”
Turns out that the practice my mom has been seeing will be using a *specialist to do the bulk of this procedure. The insurance will pay for a *generalist to do the procedure. There are of course generalists who do this, just not at this practice. The difference? $9,000 out of pocket. For a woman who lives on $2,000 per month. And has no savings.
It’s like she has complete amnesia about the 8 years we spent on the phone with the insurance company in December. What part of, “Mom, we are choosing this plan because X will be free” means “Go ahead and charge $9,000 to your credit card when you live on $2,000 per month and don’t think anything of it?!” So now I’m running around trying to find a different office that will use a generalist for the procedure.
And she’s only 75, so I have 20 more years of this by my family’s genetics 🤦🏻♀️😣