Thank you all for the moral support. I hope everyone is having a good holiday season.
Yesterday I accomplished the following:
#1) Got copy of accident report - $12 (will be charged to Allstate)
#2) Took copy of report to my insurance (so they can file proof of insurance to state)
#3) Ordered replacement of glasses (will be charged to Allstate)
#4) Rented replacement vehicle & picked up (will be charged to Allstate)
#5) Replaced my cell phone (will NOT be charged to Allstate - it had been having issues)
#6) Stopped by work to show them my condition & discuss my situation (Loss of work will be charged to Allstate)
#7) Set up appointment w/ Orthopedic Doctor - THIS IS THE ONE TO DISCUSS!!! :(
I first called Orthopedics North East. I called them because: A - They are nearby, B - They were recommended by Parkview as being a partner & thus having access to my medical information.
The first thing I did when calling them was to explain that I was just involved in an accident Christmas Eve and this was the soonest I could call. I need to see a Doctor right away so that my hand doesn't start to heal in an incorrect manner and thus need to be broken again so as to heal correctly.
The first - AND I MEAN FIRST - thing I am told (along w/ "we need to register you") is that I will need to bring $250 CASH in when I come in!!! Agitated, perturbed, angry, distraught, DO NOT EVEN begin to express my response to this. I explained that insurance would be covering this. In the worst case of her letting her insurance lapse my uninsured/under insured coverage would kick in and take care of it. The lady from ONE reiterated that I would need to bring in $250 cash.
At this point I offered the following gem of thought, "How about I just walk in this afternoon with a medical complaint and let you refuse to see me. Then, when something goes bad w/ my hand we'll let the lawyers figure it out in court - how about that?" She told me that she was just informing me of their policy.
At this point I allowed her to get my information but did NOT set an appointment!
I called Fort Wayne Orthopedics (FWO) and scheduled an appointment through them. The lady in billing explained that we would file through my insurance as the other insurance would not pay until the entire process is complete and that could take 6 monthes or a year or more. I am still not happy with this but she was at least friendly and explained their reasoning.
I will drive clear across town tomorrow morning for a 9:45AM appointment with Dr. Caldwell. So far I believe I have griped to everyone I have met about ONE - Heartz, my office, Centennial Wireless, FWO.
Don't misunderstand me, I believe everyone has a right to be paid for their work. However, the medical industry has the entire INSURANCE INDUSTRY (an industry that makes billions of dollars both in income AND investments) guaranteeing them payment. This is the reason we all pay insurance premiums, to cover our butts in an emergency. To be presumed a "nere do well" by ONE and demand CASH up front IS AN AFFRONT!
Of course this is just my opinion. What is yours???