And no, not one that actually pays me. I’m talking about trying to get my medical issues paid for even when I have insurance.
My husband has United Healthcare. And I am thankful to finally have insurance, but the hoops I have to jump through to get anything paid for are absolute insanity.
He has an HRA, which I am slowly figuring out. They basically put money aside from his company (not just the FSA, I’ll get to that in a second) to pay the deductible. Half of the deductible. No copays until the deductible is satisfied. My deductible is $3,600. But I’m halfway there on February 1st.
But trying to get the HRA to reimburse ME for out of pocket expenses is like pulling teeth. I submitted one bill in the first week of January. They said they lost it. I submitted it again the following week, they said that they couldn’t read my name on it. They actually told me to take a pen and go over the name and amount on the receipt so that they can see it better. FML.
So I am trying to resubmit right now, have been for the past week, and it is either their site being down, or something wrong with the settings on my computer, because it won’t upload. But I can upload things just fine to other sites, including ADP (that’s another headache).
I have even toyed around with the settings on both this computer and my own laptop. Nothing will upload. So I will go the fax route. But they don’t understand that not everyone has a fax machine, and to get to one i.e. Kinkos or a mailbox place, entails a chronically ill person getting out of the house and physically making it to said fax machine. Fuck.
Now ADP. I hate them. With a passion. I have used the brand new FSA card to try and pay for this shit. And they promptly cut it off after the first transaction. And they won’t just take a regular receipt. It needs to be a “detailed” receipt. But at least their site lets me upload. It just takes forever to go through their system. So maybe I’ll get access to the money my husband already has set aside for us to use in the near future.
And its not like I actually need this money or anything. I just have thousands of dollars sitting around to pay these out of pocket expenses.
So I am patiently waiting for the mailman to get here with my husband’s paycheck so I don’t have to be relying on Sunshine’s cookie money to keep gas in the tank.
That’s another headache too. My husband works for a multi-billion dollar international company. He has been working his ass off since he got this job, on night shift no less. He volunteers for overtime. Yet he has had not one paycheck that wasn’t completely fucked up. And it is not just him. All of his friends have had issues with their pay for MONTHS.
He has been working there since the end of October. He has submitted his forms for direct deposit FOUR TIMES. FOUR FUCKING TIMES. And yet it has not gone through. He used his PTO to go to Delaware last month. His first paycheck when he got back did not include his PTO. That was fun. Nothing like expecting a paycheck for a thousand dollars and getting one for $400. There was also the time that they mailed him a paycheck, and then stopped payment on the check for no reason. Right now, his company owes us like $300 in overdraft fees.
This last paycheck, they shorted not just his overtime, but his shift differential as well. And the HR people at his company are complete assholes. I mean the ones at his physical worksite, corporate is fantastic. But these assholes act like they couldn’t be bothered to actually do their jobs. They act like them not paying him is none of their concern. And because they are only there from 8-5, and his shift is 6p-6a, he rarely has the opportunity to see them with his issues. And no one will talk to me.
And I am still on the job hunt. But I got some bad health news today, so that might be stalled.
I had a colonoscopy/endoscopy done on Monday. There is “inflammation” in my stomach and intestine, but they don’t know what is causing it. I have to wait for the pathology report.
My pain has been just awful. My joints are starting to swell and I can feel the warmth and see some of the redness. So I saw the rheumatologist yesterday. She is VERY concerned about the GI stuff. She told me that just based on feeling my joints, they are inflamed and swollen. So she got xrays of my hands again and drew 6 tubes of blood to see what is going on.
On the positive side, maybe this will clear up what is actually going on with me. Maybe the biopsy from my gut can finally tell them if it is sarcoid or not. Maybe my blood will come back positive for something else other than just an elevated lysozyme level. Not that I’m hoping for another diagnosis, I just want a CLEAR diagnosis. Something that says “yes, you have this disease, and this is how to treat it”.
Ugh. Off to apply for more jobs. That alone is another full time job. ”No, we won’t accept your resume, you have to list every single employer you have had for the past 10 years, their address, their phone numbers and your supervisors that probably aren’t there anymore”. And given that people with chronic illness tend to change jobs or have holes in their employment history, this is a fun task.
I’m pretty sure I have lost out on three jobs right now because I answered truthfully when they asked “and why did you leave your last job?” I said “because of acute illness”. I specified “acute” because that is different from “chronic” and I already learned a long time ago to keep the fibro under wraps. So now I’m going to start lying. ”Oh, I didn’t feel like working anymore” and keep this entire fiasco under wraps. I just feel so wrong about it. I don’t like concealing the truth, and if someone is going to invest time and money to train me, I don’t want to come to them a month later and say “I need to take some time off because I’m sick again”.
And these aren’t even full time jobs. I’m specifically looking into PRN jobs. In the nursing world, that means “as needed”. Most of these jobs ask for a set schedule, but you aren’t “forced” to work 12 hour shifts or weekends. They usually don’t come with benefits, but I don’t need them. This was my plan BEFORE the autoimmune diagnosis. To go PRN once my husband found a job with benefits. Something flexible so that I can work more when I’m healthy and bow out when I’m not. It’s not an issue of not wanting to work. I have been sick long enough to know that I CANNOT work full time, unless it is something so benign and easy that I don’t move much. Good luck finding that as a nurse.
So if anyone has any ideas on any of this, how to navigate this insurance nightmare, where I can work, give me a clue. I’m very frustrated right now with this state of affairs, not to mention my living situation. Sorry for the rant. Thank you for reading.