My fella and I have spent the last chunk of weeks dealing with these evil people.  It feels like we find some breathing room…we figure out how to deal with one piece and then all of a sudden we are in another catch-22.  This whole experience has been so bizarre.  And it ain’t over.

I am happy to say that we found a way to pay the surgeon…who saved my life…but, we have not figured out how to pay the hospital.  So, bankruptcy it is!

Happy Holidays!!

We have found a good lawyer…at least the guy seems honest.  And we have given him a down payment.  Tomorrow we go to sign some papers and then this weekend we take an online test.  Once we pass that…then the court date is set…we fill out a bunch of this, that and the other thing…take another online test…and then we go to court.  The lawyer is hoping to have this all done by the end of January.

My goal is to get everything done quickly…and try not to start sobbing while I am in court.  It feels on some level that I have failed.  These thoughts are sorta vague…but float in from time to time.  I have always found a way to pay my bills.  I am not a shopper.  I live a mellow life style…we rarely go out to eat…our big splurge is a nice bottle of wine on the weekend…and by splurge I mean a $12.00 bottle!

This insurance company was paid every month…on time.  We hired them AND paid them to offer us a service…which they did not provide.  The word for this month is “resind.”  They have decided that my surgery was so premeditated that they are resinding my policy.  What this means is that they are going to not only drop me (which they already have) they are going to say that I never had them for my insurance company.  I can’t believe that they can even do this!  Oh…and not only are they doing it to me…my fella is also being “resinded.”  I think they are trying to find a way for the hospital to not come after them for payment…since the surgery was “pre-approved.”

Who knows.

I don’t get it.

But I do have a new word of the month!

I also want to say for folks that are filing for bankruptcy for similar reasons or because of being unemployed…even for folks who went over board with spending…my heart goes out to you.  I am grateful that there is a way out.  I am grateful that there is a way to start over.

But…OUCH…it kinda hurts!

4 Responses to “Happy Holidays….Insurance companies are evil!”

  1. Ugh. I’m so sorry you’re having to go through this!

  2. I know. By early afternoon…I almost went into a full blown panic attack…I had to cancel clients, take a bath and go to bed. I was so flipped out~ I feel better this morning though…time to shower and get to the lawyers office…hopefully that will help to soften this worry and anxiety!

  3. I think I’d blow a gasket if this happened to me. Try to stay calm and remember to live in the here and now.

  4. Hey Mr Peg:) Yep..the here and now is helpful…but, sometimes that feels very overwhelming so, I have been doing a little time traveling into the future when all of this will be behind us…and that feels good too.

    It will be over soon.
    Since I am a rip the band aid off really quick kinda gal…this is feeling torturously slow!
    Thanks for your support:)

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