Insurance Idiocy

I will never understand insurance companies.

Back in October prez changed jobs. So, at the end of October, his insurance coverage also ended. Makes sense so far, right? A week after the insurance ended we finally got a new card for Dashiell which had his name spelled correctly. That only took 3+ months and repeated phone calls for them to fix. The new insurance with the new job started in December.

Cut to January, when Dashiell had his heart catheter surgery, which was covered under the insurance from the second job. PreZ got laid off early January, but still had insurance coverage until the end of the month (so we tried to get anything pressing out of the way before the end of the month). We recently got the statement from the insurance about what the hospital had billed to the insurance company. The doctor's fees apparantly get billed seperately.

Today in the mail was a letter from the old insurance company, the one that hasn't been covering us since October. Somehow, miraculously, the doctor who did the procedure on Dashiell in January billed his fees to our old insurance. Not only that, but the insurance company paid it too. We have no idea how he managed that, because we never gave them those details... we handed in our new insurance card when we registered and checked in at the hospital. The insurance company of course was stupid enough to not even notice that they approved a claim for people who aren't even covered by them anymore *headdesk*.

Of course we now have to contact the insurance company, and/or the doctor, and tell them what's going on, because the last thing we need is to be accused of fraud or something, even though it's not even anything we did and all their own screw-up.

Argh.