Thursday December 27, 2018

Proverbs 29:11 A fool gives full vent to anger, but the wise quietly holds it back.

After breakfast this morning I found my way to the kitchen to help clean the dishes. I really enjoyed my time with the girls. They have an incredible system and it is amazing to see how they are able to do the dishes for 80 people in a matter of 30 minutes–they truly have this down to a science.

I had a very interesting morning and it could not be any more fitting that this scripture verse came up today. A little history for you…

Before we left on this journey we had to get several immunizations given all the various places we were headed. I spoke with our insurance company multiple times during that year leading up to our departure regarding what immunizations were covered and finding an in-network provider (this proved more difficult than I expected). At first we thought that we were going to have to fly back to Phoenix, AZ (we lived in Madison, WI) to get our immunizations done because our insurance was based there, but the doctors in Phoenix did not have access to the Yellow Fever vaccine. It all worked out and we found a physician in Madison that was able to administer all our vaccines and was an in-network provider. Though we had several other problems and road blocks, by the time we had our last round of shots in June, all seemed to be worked out with the insurance.

Fast forward to about a week ago, and I got a message from our friend checking our mail that I had a bill for each of the kids from the University of Wisconsin for almost $2000 each. Come to find out, the insurance company denied both rounds of the Japanese Encephalitis vaccine for all three children (even though they approved them for Jeff and I). It is important to note that the cost for each injection is $2000, and my three kids all had the 2 doses necessary. Some quick math, and a bit of panic set in; that is a lot of money that we are being charged unnecessarily. After a few emails back and forth with our Care Manager, I was advised to call customer service, but that it was likely that I would have to send in an appeal. So this was my day today, preparing an appeal packet for the three children so I could respectfully request that they cover these charges. Since the time difference between India and Phoenix is 12.5 hours, I won’t be able to call them until later this evening, so I decided to get a head start on the paperwork.

This was such a frustrating task and it was really difficult to not get angry. As I read through our plan, this service is covered at 100% as long we are seen by an in-network provider which they were; so why are we getting the bill? And just to make matters even worse, UW (the clinic were we had the shots done) has been fighting with our insurance over this for about 6 months now to no avail, which means that our bills are already in pre-collections. They didn’t even give us a chance to remedy this. It was like they sent us the bill and then they were wanting to turn us over to collections. Now I am sure that is not how it actually happened, but that is what it seems like here. I can’t take care of these issues as quickly as I could back home and that is beyond frustrating.

I finished all of the paperwork by 4 pm tea time and closed everything down until I had to call the insurance company tonight after dinner. I have to say trying to make this kind of call on an internet based line is not easy when the internet goes in an out. I drop the call several times and had to wait on hold while I got reconnected to the person with whom I was previously speaking. All in all, I was on the phone for an hour to learn that the representative wanted me to call him back tomorrow so he could research the situation further. I really just wanted this to be over and done, but I had to wait another day to get any answers. He didn’t even know if I should send an appeal. I got nowhere. Tomorrow is another day and hopefully I can get some answers.

After a day like today, I can fully appreciate the scripture because anger only makes matters worse and puts the other person on the defensive. Up to this point I have been able to keep my frustrations to myself (and Jeff), I have not yet lashed out at the insurance representative, though that is not an easy task. I am so frustrated and the lack of response or answer does make me very angry that I am having to spend my time working on this, when there are other things that I could be doing to help. But this is what I need to be doing and I know that God will help me through this, just as He always has.

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