we checked in at admissions, where they asked us to pay the $12,500 that insurance wasn't covering (haha) so we wrote them a check for $50 and went on our way over to surgery.
A few weeks ago we received a notice from Children's that insurance hadn't paid yet. But what was interesting was that the total amount from the hospital was only $11,500. (they originally told us it would be $14,500) I knew our current (but not for long!) insurance takes FOREVER to pay on claims so I wasn't worried, but was excited that it was $3,000 cheaper than they had quoted. Well on Wednesday I received "the dreaded bill." (Although it wasn't that dreaded actually, more on that in a moment) I opened it and it had our final total at the bottom. Take a wild guess how much? For an $11,500 surgery that our insurance only paid $1,100 on, we now owe $350. Yep you read that right, three hundred and fifty dollars!!!!!!
How in the world did this happen you might ask? Well I guess it's the insanity of insurance and hospitals. See our insurance really only did pay $1,100. And the rest was "adjusted." So our total part is actually $400, (minus the $50 we paid on the day of the surgery) which leaves $350. (I'm sure you probably could have done that math on your own...) How ridiculous right??
Now about that thought of the "not so dreaded bill." From the beginning we have put our hope and trust in God. Hope that He will heal our son, and trust that He will carry us until that happens. There have been lots of things over the last 8 months that are little signs that He is watching out for us and providing all we need. A $600 eye doctor bill that we only had to pay $20. Getting into Scottish Rite within a month. Expedited appointments and entry into ECI. Getting a diagnosis within 4 months. Amazing financial gifts from some incredible families (you know who you are!!). At the close of this year we were finally getting all sorts of bills from the "summer of searching" and had it not been for some Divine Providence we would be in a pretty tight spot now. (Not to mention trying to juggle 8 different payment plans!) But God provided and we were able to pay off all of those bills from last year and even have money in the bank to pay off the hospital portion of the surgery!! We do have other bills still coming in from previous doctor visits, the surgeon, and the university that did the testing on the muscle, but I'll take it one miracle at a time. Whether God chooses to write off the bill, or provide the money to pay it, He is showing Himself faithful to us!
We have our follow up visit with the specialist tomorrow and they have the results from the muscle biopsy. I will of course share what we find out. We are interested to see if they were able to get any answers, but also to find out what normal looks like for us. Will we have 2 appointments a year with full blood work ups or what? That's kinda what I'm thinking might happen but since I really have no idea I guess we will find out tomorrow.
Oh, and one other thing, we are changing insurance companies. Our current one would not let us add Jordyn and it only pays $1500 a year total for any doctors visits and lab work. Caleb maxed out a whole year in 1 visit! So even though the network came through for us with the hospital portion of the surgery, we are getting some better coverage. It has a much higher deductible (which I'm a little scared of) but I don't think it can be any worse than what we have right now! It's also $200 more a month which I'm a little scared of too. We really don't have a lot of wiggle room as it is and that takes a chunk of that room away. And yet, my hope is in God my salvation and my song. We aren't worried (most days) because he will make a way. Thank you to each of you who have prayed and are praying. Thank you to everyone who has given us money for Caleb's expenses. I am blown away by all the support. Thank you thank you!!
Love to you all!
Jessica
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