Lowell Tuttle
Steve, that is cool about your daughter.
I am dealing with the TRS BCBS health care plan right now. Got a form signed by brother in law to handle bills that he has to pay (deductibles and co pays.) They are extremely nice and available on the phone...I am thankful for that. And, they offerred to counsel me on which deductible provider bill to pay so it's certain to go against his Max out of pocket.
With all health care plans there is a term which is loosely heard by us. It is "covered expenses."
health care plans have max pays for annual deductibles and co pays. However, that is of COVERED expenses. BCBS has a asterisk on all their claim paid provider forms which says you SHOULD not pay the provider more than the covered expenses allowed by BCBS. I think the key word there is SHOULD. It doesn't say you DON:T have to pay.
Example is ambulance bills. Covered expense allowed is 500. They pay that. You owe whatever the ambulance company charges. In this case, it is the City of Houston charging 1500. That 1000 you pay does not go against your max out of pocket. You should see what a helicopter life flight uncovered expense is. 25,000 to 100,000 is the reality.
So, if we pay all these bills, we hit his max co pay with TRS BCBS at about 6000. Then, for now, the expenses that are/were "uncovered" amount to about 18000 more.
I think that is the kind of account that Holly works on. If you have something, apparently they will come after you. :
Lance says he files them in his trash can.
Next step might be some kind of trust called a Miller's Trust. Attorney...confusion...we are getting close to that step.
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