If you don't want to read an FYI I have learned about health insurance that might save you some money some day then please scroll to the end to see some pictures of the boy looking cute in overalls! We have really good insurance with the federal government so I was really surprised to see 2 rather large explanation of benefit statements from Cole's emergency room visit. Come to find out, even though our hospital is "preferred" by our insurance company, the emergency room doctor in the hospital emergency room is not as they are part of a group that is separate from the hospital (and supposedly most hospitals are like this). Therefore we are responsible for the entire bill (let's just say I should have gone to med school to make that much in 15 minutes). Plus, since this doctor (who is for some reason not possible to contact) coded this visit as a "medical emergency" and not "accidental injury" (even though insurance would accept it as the latter) which means the SECOND bill from the actual hospital is only partially covered (insurance would fully cover accidents but not medical emergencies). BUT, the kicker is, if I had driven a mile further (which in this situation I could have but what if we had been out of town and had to go to the nearest medical facility?!), to an urgent care clinic then the whole bill would have been covered. Plus, other doctors in a hospital may not be covered either....e.i. your doctor delivering your baby is but the anestheiologist that comes in to give the epidural may not and you would be responsible for the entire epidural. My FYI is to check your insurance to see if it is the same way because I am assuming with a little boy that tried to eat a marker this past weekend, I might need medical assistance after hours as many of you might (but hopefully won't) that isn't a true "emergency" and a local urgent care clinic might save you alot of money. This, my friends, is where true health care reform is needed!
Ok, so enough ranting. Here is the boy being cute and then trying to escape in the last picture!!