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Another doctor bill reduced!

November 29th, 2011 at 06:25 am

On my previous entry, I was talking about some doctor bills that came in for both of my older daughters. One had a birthmark removed and one had some testing done. Neither had any prior medical expenses this year so we have not met the deductible....which means I basically had to pay for a lot of this stuff out of pocket! I have already depleted my HSA which is usually only $1000 a year so that was no help.

Anyway - I'm stuck with 3 doctor bills to pay and I wasn't too thrilled about it b/c I'm still trying to get my cars paid off. It occurred to me to just ask for a lower price to "settle" the account. Turns out that works pretty well!! I got the first one reduced from $697 to $600. I recently got the second one reduced from $650 to $500! I tried it on the 3rd one and they turned me down...their reason was that their rates were 'contracted' with the insurance company and to reduce them would be to violate that contracted rate. Blah, o-well....it was a little difficult to argue b/c I don't know anything about that. So they offered to let me pay it out at $65 per month, no interest -- I said ok. I think it is something I will always do now, just ask for a lower price to settle the account. Worst case scenario is they tell you no, best case you save some money! I'm always game for saving some moo-lah.

On another note, I did do some Black Friday shopping. I don't think I like the new format of the stores opening at 10 pm on Thursday night b/c many more people come out!! I prefer the super early mornings where many people prefer to NOT get out of bed. It is still crazy early in the morning, but not quite as crazy as it was last Thursday night. I didn't have too much stuff I was trying to get -- turns out I was pretty lucky with what I did get! I got a $10 crockpot, $10 blender, a $200 Compaq laptop and a few little odds & ends for small gifts and usables for our family. In total we spent $325 and I think we did really good considering what we got. We got home pretty late and didn't do any other shopping on that Friday in STORES but I did snag a few things online. I'm not a huge fan of online shopping - mainly b/c I like to see/touch/try things in the store. PLUS there is rarely any issues with me checking out or returning items, etc. Of course the items I purchase on Friday are with a company that has a huge backlog so I did not get any confirmation of my order nor did anything hit my bank account. So I waited all day and then finally called the customer service department....they don't see the order either and advice me to place another one if I wanted the sale price that ends at 12 am PT. So I place a 2nd order for the same items and go to bed. I wake up to receive an email confirmation of the 1st order that they did not see...and shortly thereafter I get another email cofirmation of my 2nd order. HA -- so then I get back on the phone with customer service to try and cancel one of the orders which have already processed against my checking account. Errrhhhggg...this is why I don't like online shopping, too many things can go wrong and you have to WAIT to get your money back if needed. O-well.

Hope you all had a great Thanksgiving holiday. I got to spend some time with my mom and her husband. Very fun time and we are looking forward to Christmas now!

2 Responses to “Another doctor bill reduced!”

  1. creditcardfree Says:

    Great job on getting those bills reduced!

  2. Jerry Says:

    That is true about some insurance companies, but it is still great that your 3rd request leads to repayment without interest! We did something similar with our dentist when I had a procedure done, and they have been great about it.
    Jerry

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