WEBVTT - Medical Billing Nightmares and How to Solve Them 0:00:16.440 --> 0:00:21.119 Hey, hey, hey, we're back. We're back. We're back, and 0:00:21.560 --> 0:00:25.919 I'm back from vacation slash many not really honeymoon because 0:00:25.920 --> 0:00:27.920 I went on it with two couples. Have you ever 0:00:27.960 --> 0:00:29.360 been in a couples trip, manny. 0:00:29.640 --> 0:00:34.120 A couple's trip? Have I? Technically every summer we go 0:00:34.159 --> 0:00:36.360 on a camping trip with our friends and we've now 0:00:36.400 --> 0:00:39.040 become a couple's trip because everyone's booed up and married 0:00:39.080 --> 0:00:42.760 and stuff. Ok So yeah, yeah, yeah, I have. Okay, 0:00:42.840 --> 0:00:43.960 not to Jamaica though. 0:00:45.000 --> 0:00:47.280 Yeah, I mean it was honestly, it was gonna be 0:00:47.320 --> 0:00:49.519 like just a girl's trip. Me and my bestie. We 0:00:49.600 --> 0:00:52.280 typically go away at least once a year with each other. 0:00:52.880 --> 0:00:54.800 And then we were like, oh, you know, we should 0:00:54.800 --> 0:00:57.800 bring the guys because we felt it was close to 0:00:57.840 --> 0:01:00.520 father well Father's Day path not too long, I guess, 0:01:00.520 --> 0:01:02.920 And I was just like okay, And then you know, 0:01:02.920 --> 0:01:05.080 I ended up randomly getting married, so I was like, well, 0:01:06.040 --> 0:01:09.080 this can be like like a test run for a honeymoon. 0:01:09.480 --> 0:01:12.600 And then another friend of mine when we've had on 0:01:12.640 --> 0:01:14.880 the show, Lovey, said oh, I'll come too, and so 0:01:15.160 --> 0:01:19.160 it just became like six of us. Honestly, it was. 0:01:19.480 --> 0:01:23.120 It was actually really good. I was nervous because I 0:01:23.200 --> 0:01:24.760 knew the girls because we all knew each other, so 0:01:24.760 --> 0:01:26.880 I knew we'd all get along. But it's like bringing 0:01:26.920 --> 0:01:28.280 your like you know, I don't I hate to call 0:01:28.400 --> 0:01:30.960 many kids, but you know, you're like, oh my god, 0:01:31.000 --> 0:01:33.560 are our kids gonna play well together? And they did. 0:01:36.280 --> 0:01:38.039 One of them was like this was like they were like, 0:01:38.080 --> 0:01:40.240 this is like adult summer camp. The guys hang with 0:01:40.280 --> 0:01:41.640 the guys, the girls hang with the girls, and then 0:01:41.640 --> 0:01:44.520 we hang out together. So that happened all throughout, like 0:01:45.400 --> 0:01:48.720 you know, like, yeah, it was honestly. 0:01:48.360 --> 0:01:51.160 We had exactly how our trips end up to the 0:01:51.160 --> 0:01:53.600 girls go do their thing and the guys go find something. 0:01:53.320 --> 0:01:56.400 To break right or like in Jamaica, you know, it 0:01:56.440 --> 0:01:57.120 was a little different. 0:01:57.200 --> 0:02:00.480 It was they really don't grow up they at all. 0:02:00.480 --> 0:02:03.000 I was like wow, and it was just it was 0:02:03.120 --> 0:02:08.880 just I realized, I don't I've never seen Superman like 0:02:09.280 --> 0:02:11.400 interact with like I mean, I'm used to seeing him 0:02:11.440 --> 0:02:13.880 with like his friends, but it was interesting to see 0:02:13.960 --> 0:02:18.960 him with like kind of friends. You know, yeah, you know, 0:02:19.240 --> 0:02:21.720 because with his friends, you know, he's I guess he's 0:02:21.800 --> 0:02:23.960 kind of like the quiet one. But I was like 0:02:24.040 --> 0:02:26.800 he's really like the connector. He's like pretty social because 0:02:26.800 --> 0:02:29.880 I'm really like, you know, I'm the talkative one, so 0:02:29.919 --> 0:02:32.280 typically he's like, you know, okay, Tiffany got it. And 0:02:32.320 --> 0:02:35.280 he has a twin brother who is also very like 0:02:35.360 --> 0:02:38.359 outgoing and social, so he's I see now that he's 0:02:38.440 --> 0:02:40.920 kind of like the deflector, like, so if you're social, 0:02:40.960 --> 0:02:43.200 you got it. But the other two guys that were 0:02:43.200 --> 0:02:45.919 on the trip, they weren't super talkative. So all of 0:02:45.919 --> 0:02:49.000 a sudden, I'm like, is that him over there facility 0:02:49.200 --> 0:02:53.359 facilitating all the fun? It was so weird to like 0:02:53.400 --> 0:02:55.880 see them across the beach and he's like the animated one. 0:02:55.919 --> 0:02:59.560 I'm like, since when? So that part was really like 0:02:59.639 --> 0:03:02.840 interesting thing to see. I'm like, you're a storyteller's story, 0:03:04.840 --> 0:03:06.640 so that was actually like a lot of fun. And 0:03:06.760 --> 0:03:08.359 I don't know what they put in the Jamaican rum 0:03:08.360 --> 0:03:11.640 I don't drink, so me and the other girl love 0:03:11.760 --> 0:03:13.679 you here with that she does we don't drink so 0:03:14.040 --> 0:03:16.799 but surprisingly no one was even though you know, they 0:03:16.800 --> 0:03:19.400 were Jamaican running it up. I guess they put like 0:03:19.440 --> 0:03:22.000 next to no alcohol, but everybody was like super good. 0:03:22.720 --> 0:03:24.800 Oh, you know, those all inclusive resorts. They watered that 0:03:24.840 --> 0:03:28.680 stuff down. Yeah, I was not impressed with the Dominican 0:03:29.280 --> 0:03:30.760 resort Pina Coladas. 0:03:30.800 --> 0:03:34.320 I must say, you're like another one. Actually put three 0:03:34.360 --> 0:03:34.960 in one of these. 0:03:35.080 --> 0:03:37.480 Yeah, I mean, I'm not trying to feel sloppy, but 0:03:37.480 --> 0:03:40.160 I want to feel a little nice on my vacation. Also, 0:03:40.240 --> 0:03:42.000 did were you guys at an all inclusive resort? 0:03:42.320 --> 0:03:45.160 For sure, girl Bob. It was like everything, and I 0:03:45.240 --> 0:03:48.800 liked it because there was like a little like beach 0:03:49.000 --> 0:03:51.160 kind of like restaurant where you can get stuff grilled 0:03:51.800 --> 0:03:55.200 and then they're also the resort itself had two like restaurants, 0:03:55.240 --> 0:03:56.480 and then of course it had like kind of like 0:03:56.560 --> 0:04:00.640 the open like buffet cafeteria type thing. So it was. 0:04:01.040 --> 0:04:03.760 It was small, which I liked. It wasn't one of 0:04:03.800 --> 0:04:06.120 these mega resorts where it's like three or four hundred units. 0:04:06.120 --> 0:04:08.240 It was only like eighty. And they were like these 0:04:08.280 --> 0:04:11.880 treetop villas, so you didn't we didn't have hotels. Everybody 0:04:11.880 --> 0:04:16.479 had their own individual like tiki like villa. It was 0:04:16.520 --> 0:04:18.200 really cute. Honestly, I liked it a lot. 0:04:18.680 --> 0:04:19.560 They're nice. 0:04:21.200 --> 0:04:22.800 And I didn't know this, but like I guess, certain 0:04:22.839 --> 0:04:26.440 islands you can like pay for vip conci your service 0:04:26.480 --> 0:04:29.760 where they'll like walk you through customs and everything. And so, 0:04:30.120 --> 0:04:31.360 I mean, I just bought my thing. It's not like 0:04:31.400 --> 0:04:33.760 we were being fancy. I got it on Expedia. It 0:04:33.920 --> 0:04:35.720 was it was a you know, a great deal and 0:04:35.760 --> 0:04:37.440 it came with it. And I was like, why, I 0:04:37.440 --> 0:04:39.160 don't think I could ever go back to a normal airport. 0:04:39.480 --> 0:04:41.279 I mean, we walked through every line and you know, 0:04:41.360 --> 0:04:43.880 customs lines are so long, especially if you're not a 0:04:43.920 --> 0:04:45.680 citizen of that country. I mean we walked to the 0:04:45.680 --> 0:04:48.200 front of every line and then we waited like in 0:04:48.240 --> 0:04:51.280 a they called it Mobei Cafe, which is cute, and 0:04:51.320 --> 0:04:53.440 so we waited for like our transportation to take us 0:04:53.440 --> 0:04:56.320 to the hotel, this cute little cafe where it's more 0:04:56.400 --> 0:04:59.599 rum punch and food and it was really really nice. 0:04:59.680 --> 0:05:02.479 And then we got upgraded to first class first row. 0:05:02.839 --> 0:05:04.719 On the way back home, I said, it can't get 0:05:04.720 --> 0:05:05.600 any better than this. 0:05:06.160 --> 0:05:08.839 Well, you know that because you've oh, go ahead. 0:05:08.880 --> 0:05:11.320 No, no, it is because well, I mean I figured 0:05:11.360 --> 0:05:12.640 it because I was like, how did we get upgraded? 0:05:12.680 --> 0:05:14.599 So I asked, and she's like, oh, you booked it. 0:05:14.600 --> 0:05:16.760 She's like, who's Tiffany because I'm a freaking flyer, and 0:05:16.760 --> 0:05:18.279 so she was like, you know, like they just happened 0:05:18.279 --> 0:05:20.599 to have the empty seats, and you know, She's like, 0:05:20.640 --> 0:05:22.360 we always looked to see obviously to like kind of 0:05:22.360 --> 0:05:26.040 reward our frequent flyers because I frequently fly with United, 0:05:26.160 --> 0:05:29.360 no judgment United tubs in Newark where I lived, and 0:05:29.440 --> 0:05:31.200 so they were like, you know, we upgraded you, and 0:05:31.200 --> 0:05:32.760 then you know, we saw you had a party with 0:05:32.800 --> 0:05:36.120 you and I was like, look it. God, so we 0:05:36.120 --> 0:05:37.760 were the first four seats in the front. Ya. You 0:05:37.760 --> 0:05:39.680 couldn't tell us nothing. I didn't even know. People got 0:05:39.720 --> 0:05:43.320 like it was only like a three hour flight. I'm like, 0:05:43.400 --> 0:05:45.000 you get a whole meal. I was like, I'll take 0:05:45.000 --> 0:05:49.760 the salmon and the chicken. You know. Superman was like, 0:05:49.800 --> 0:05:52.920 oh my god, babe, like cause we had like you know, 0:05:53.279 --> 0:05:58.240 VIP service here, you know, upgrades there. He was like, Babe, honestly, 0:05:58.680 --> 0:06:01.159 your life is nothing but amazing since I married you. 0:06:01.160 --> 0:06:01.880 I'm like, it's been a. 0:06:01.839 --> 0:06:07.320 Month, but don't discourage that, don't they I. 0:06:07.320 --> 0:06:09.960 Know, right, I'll thank you. He was like, oh, this 0:06:10.080 --> 0:06:14.440 vacation was awesome. Everything was just so awesome. And I'm like, oh, 0:06:14.480 --> 0:06:16.240 so yeah, married life has been really good. 0:06:16.839 --> 0:06:19.120 I think I prefer I don't not prefer it's different. 0:06:19.160 --> 0:06:21.560 I love traveling with friends. I just feel like you're 0:06:21.640 --> 0:06:25.039 less likely to get bored. And I mean, I don't know, 0:06:25.080 --> 0:06:27.000 I feel like other couples can maybe relate to this, 0:06:27.120 --> 0:06:30.400 But there's this like pressure to go on trips together 0:06:30.440 --> 0:06:32.600 and like really just like have the most amazing time 0:06:32.640 --> 0:06:34.200 and to be obsessed with each other. I'd be more 0:06:34.600 --> 0:06:37.200 every moment of every day. But yeah, it's kind of 0:06:37.240 --> 0:06:39.880 like regular life, like you need breaks, yeah, and one 0:06:39.920 --> 0:06:41.200 of you wants to do one thing, the other one 0:06:41.240 --> 0:06:43.279 doesn't want to do that thing. And like when you 0:06:43.320 --> 0:06:45.640 have friends, you can just like break off into groups 0:06:45.720 --> 0:06:48.120 and then you have like your separate activities and you 0:06:48.160 --> 0:06:50.120 come back at the end of the day. I like 0:06:50.160 --> 0:06:50.719 the variety. 0:06:51.920 --> 0:06:54.640 Yeah, I honestly I did. I thought because you know, 0:06:54.680 --> 0:06:56.200 you think yourself. Oh, I mean, it's nice to be 0:06:56.200 --> 0:06:58.000 booed up, because it was you know, we had definitely 0:06:58.040 --> 0:06:59.880 we all had our boot time, but it was also 0:07:00.320 --> 0:07:02.039 like you said, switch it up, like, oh, you know, 0:07:02.120 --> 0:07:04.240 I'm hanging with the girls, and then we hang out 0:07:04.320 --> 0:07:06.560 the group and then me and Superman by ourselves. 0:07:06.600 --> 0:07:09.560 You know, like I love to go to resorts too, 0:07:09.760 --> 0:07:13.320 but my husband hates the water. He's like he and 0:07:13.360 --> 0:07:15.720 his brother are like the two Dominicans who do not 0:07:15.840 --> 0:07:20.560 like the ocean. It is the meanest trick in history. Really, Yeah, 0:07:20.600 --> 0:07:22.400 they just hate they don't like the water. And I 0:07:22.440 --> 0:07:24.840 love the water, and so does my brother in law, sister, 0:07:25.400 --> 0:07:29.360 his sister, my brother in law's girlfriend. And I'm like, great, 0:07:29.440 --> 0:07:31.480 so we can go do beach vacations. You and I'll 0:07:31.480 --> 0:07:33.200 be budied up. We can go do the water sports 0:07:33.200 --> 0:07:35.160 and excursions and they can just go do their thing 0:07:35.160 --> 0:07:38.600 and everyone's happy and there's no like arguing and like, 0:07:38.760 --> 0:07:41.680 you know, you don't want to come to the swim 0:07:41.720 --> 0:07:44.040 with the toothless sharks with me, like you know in 0:07:44.080 --> 0:07:47.200 our last vacation, which is a real fight you have 0:07:47.280 --> 0:07:47.920 when you travel. 0:07:48.440 --> 0:07:50.840 Yes, I mean I was, because at first it was like, 0:07:50.880 --> 0:07:52.400 you know, everybody was like I don't want to do 0:07:52.400 --> 0:07:54.840 any excursion. I don't want to do anything. And then 0:07:54.880 --> 0:07:56.240 after two days we were like, we should do an 0:07:56.240 --> 0:07:59.440 excursion because we're bored. So we did a fun one. 0:07:59.480 --> 0:08:02.880 It was at and then it was like some like 0:08:02.960 --> 0:08:05.720 natural springs at the end which were freezing but fun. 0:08:06.040 --> 0:08:07.600 So that was a nice little break and then it 0:08:07.640 --> 0:08:09.840 was beach again. But you know because after a while, 0:08:09.920 --> 0:08:12.920 I mean, I'm not like every single day go to 0:08:12.960 --> 0:08:15.280 the beach from sun up to sundown. Although I enjoyed 0:08:15.280 --> 0:08:19.480 the beach, I'm like, so is there any other activity? 0:08:20.040 --> 0:08:22.320 So your ATVing was definitely like a lot of fun. 0:08:22.640 --> 0:08:24.640 I love act I'm too afraid of the sun. I 0:08:24.680 --> 0:08:26.920 get made fun of. I have an obsession with SPF. 0:08:27.000 --> 0:08:30.080 It's not because I'm worried about having darker skin. That 0:08:30.160 --> 0:08:31.680 is not kind. I just say that it is not 0:08:31.800 --> 0:08:34.439 the reason. I'm not one of those people, but I'm 0:08:34.440 --> 0:08:36.520 really worried about skin damage and I'm trying to be 0:08:36.600 --> 0:08:38.720 on my j LO game when I'm fifty. And I thought, 0:08:38.880 --> 0:08:41.560 she jala when I read this, or I can't even 0:08:41.559 --> 0:08:43.280 tell you what when I read this, but she was like, 0:08:43.320 --> 0:08:46.520 my secret is spray tanning. Not that I spray tann 0:08:46.600 --> 0:08:49.040 but spray tanning and no sun and she's super golden 0:08:49.120 --> 0:08:51.400 all the time. And I was like, I must learn 0:08:51.480 --> 0:08:55.600 her ways and I must not have terrible skin. But also, Loki, 0:08:55.720 --> 0:09:01.520 my mother has had several melanoma removed from from my body, 0:09:01.559 --> 0:09:04.200 and so be on that you know what I found out. 0:09:04.200 --> 0:09:10.640 You can purchase sunscreen with your FSA account. This is major, really, yes, yes, 0:09:11.040 --> 0:09:13.280 when I discovered that, I was like, I need a 0:09:13.320 --> 0:09:13.880 bigger bag. 0:09:14.800 --> 0:09:16.080 So tell people what's FSA? 0:09:16.280 --> 0:09:19.439 People like this is my favorite? My absolutely, I think 0:09:19.480 --> 0:09:21.559 I did a brown boost for this before, which is 0:09:21.640 --> 0:09:23.640 it's my favorite thing in the planet. If you have 0:09:23.679 --> 0:09:27.199 a healthcare plan where you can get a flex savings account. Basically, 0:09:27.280 --> 0:09:30.080 a flexible savings account is something that accompanies your health 0:09:30.120 --> 0:09:32.920 plan and you put in money that you earn before 0:09:33.000 --> 0:09:35.600 taxes are taken out into a little fund, and then 0:09:35.600 --> 0:09:37.560 they give you a debit card and you can use 0:09:37.679 --> 0:09:40.720 your FSA card anytime you pick up prescriptions, you pay 0:09:40.720 --> 0:09:45.400 for your copays, you pick up approved over the counter medicines, 0:09:45.800 --> 0:09:50.480 and even stuff like I mentioned sunscreen Contact solution is included. 0:09:50.960 --> 0:09:55.360 Your prescription glasses are included. So I always get my 0:09:55.400 --> 0:09:58.600 glasses from Warby Parker, which is which is online, right, 0:09:58.640 --> 0:10:00.880 so it's not like, uh, it's not like I go 0:10:00.920 --> 0:10:02.800 to a doctor and I can swipe my FSA card 0:10:02.880 --> 0:10:05.080 and I for some reason when I tried using my 0:10:05.240 --> 0:10:08.360 sometimes FSA cards can be annoying. They don't always work. 0:10:08.400 --> 0:10:10.400 On when you try and shop with them online, I 0:10:10.400 --> 0:10:13.240 think because what they're not really getting the right code 0:10:13.320 --> 0:10:14.880 or whatever is if they would if you were just 0:10:14.880 --> 0:10:17.280 shopping at a Dwayne Read or write Aid or something. 0:10:17.880 --> 0:10:20.120 So but it's also easy. I just keep my receipt 0:10:20.160 --> 0:10:22.160 and then I submit a claim and I always get 0:10:22.160 --> 0:10:26.520 refunded and it's no big deal. So that is, as 0:10:26.559 --> 0:10:28.000 I say, alert for the day. 0:10:28.640 --> 0:10:32.079 It smarty, hoty, that's good. I never thought about it that. 0:10:32.120 --> 0:10:33.880 I'm like, I feel so special now because you know, 0:10:33.920 --> 0:10:35.800 now that I'm married, I'm like, oh, I g it 0:10:35.840 --> 0:10:39.720 is shirt. I was like, let me see. I feel 0:10:39.760 --> 0:10:42.480 all keep my insurance card. It's because it's that good 0:10:42.520 --> 0:10:44.719 insurance too. I'm like, oh I take that. Oh you 0:10:44.760 --> 0:10:49.320 can run that test. No worries here, Yeah no. But 0:10:49.360 --> 0:10:51.000 you know what I learned today, Like, well not today, 0:10:51.000 --> 0:10:53.920 but I had to go for like blood work or whatever, 0:10:54.360 --> 0:10:56.440 like before my insurance car came in and I wasn't 0:10:56.480 --> 0:10:59.000 even sure if I was fully insured yet. And the 0:10:59.000 --> 0:11:02.080 woman who was taking my blood work she was telling 0:11:02.120 --> 0:11:05.240 me because she was like, I asked her how much 0:11:05.320 --> 0:11:07.480 is the how much is the lab test? And she's like, oh, 0:11:07.520 --> 0:11:08.959 I don't know. You know, they'll send you a bill. 0:11:09.000 --> 0:11:11.120 I was like, oh. She was like, why are you 0:11:11.160 --> 0:11:12.920 not insured? I was like, honestly, I don't even know 0:11:13.520 --> 0:11:16.440 just yet. You know, I applied, but you know, I 0:11:16.440 --> 0:11:18.880 don't know if it's kicked in yet. And she was like, well, 0:11:19.400 --> 0:11:21.760 if you tell them you don't have insurance, they can 0:11:21.800 --> 0:11:23.880 lower your bill up to seventy percent. I was like, 0:11:23.920 --> 0:11:26.839 wait what so I don't know if that's like lab 0:11:26.880 --> 0:11:30.200 tests across the board, but for sure. She was just like, 0:11:30.240 --> 0:11:33.040 you know, let them know and then negotiate down seventy 0:11:33.040 --> 0:11:35.000 percent then, you know, and she's she said, they're not 0:11:35.040 --> 0:11:37.040 going to share that with you, but you can you 0:11:37.080 --> 0:11:40.040 can say that, and I was just like okay. She 0:11:40.080 --> 0:11:42.520 actually gave me a paper where I guess they you know, 0:11:42.600 --> 0:11:46.200 like they coached their clients and how to do so, 0:11:46.320 --> 0:11:48.960 and I thought, wow, this is great. So I'm gonna 0:11:49.000 --> 0:11:50.800 you know, I'm pretty sure but by the time I 0:11:50.800 --> 0:11:52.480 get the bill, I'll have my insurance card, so I'll 0:11:52.520 --> 0:11:54.520 be able to, like, you know, just be like, hey, 0:11:54.640 --> 0:11:56.720 you know, I do have insurance. But I just thought 0:11:56.720 --> 0:11:58.760 that was such a great tip to pass along about 0:11:58.880 --> 0:12:03.360 negotiating down because I've definitely negotiated down other hospital bills 0:12:03.400 --> 0:12:07.160 before when I really did not have insurance altogether significantly, 0:12:07.200 --> 0:12:10.040 I think over fifty percent. I owed at one point 0:12:10.480 --> 0:12:12.520 maybe had fifteen hundred dollars because I tried to die 0:12:12.520 --> 0:12:14.040 my own hair and not knowing I was allergic to 0:12:14.040 --> 0:12:16.840 a black hair dye and so my face swelled up 0:12:16.920 --> 0:12:20.600 like a balloon. And I went to the emergency room, 0:12:20.640 --> 0:12:23.040 and you know, after them giving me a bend a 0:12:23.120 --> 0:12:25.080 drill basically, and that was it, a ben a drill 0:12:25.120 --> 0:12:28.120 and sit down. It was twelve it was twelve hundred dollars. 0:12:28.200 --> 0:12:30.600 I nearly wept, like well, she wrote me a prescription. 0:12:30.720 --> 0:12:33.400 I just knew it was like some special elixir from 0:12:33.440 --> 0:12:35.760 the gods. And when I went to the pharmacy and 0:12:35.760 --> 0:12:37.760 I was like, I have a prescription for my for 0:12:37.880 --> 0:12:41.120 my death, to my my near death experience, and she 0:12:41.160 --> 0:12:42.839 was like, oh, go to AL seven. I'm like, no, no, 0:12:42.840 --> 0:12:45.120 I have was prescription. She's like, yeah, it's ben droll, 0:12:45.200 --> 0:12:49.920 Go to All seven. I said, ben drill. Maybe I 0:12:50.040 --> 0:12:52.080 was levid. I'm like that lady could have told me. 0:12:52.480 --> 0:12:54.040 She could have just said go home against some bended 0:12:54.080 --> 0:12:55.240 dr I didn't know that's what they gave me the 0:12:55.280 --> 0:12:57.920 hospital and that's the Oh my god. And so when 0:12:57.920 --> 0:13:00.080 I got my twelve hundred dollars bill, I think I 0:13:00.080 --> 0:13:04.720 talked them down to like six or seven hundred. Yeah, 0:13:04.720 --> 0:13:06.720 around six hundred. So I was able to talk them down. 0:13:07.679 --> 0:13:10.640 Yeah, even if you have insurance, Like it's what you're 0:13:10.679 --> 0:13:12.760 saying that your insurance wouldn't cover the lab test. So 0:13:12.760 --> 0:13:14.880 even though you have it and you have to pay 0:13:14.880 --> 0:13:15.840 out of pocket. 0:13:16.000 --> 0:13:18.800 Well, I have the thing is I So when we 0:13:18.840 --> 0:13:21.040 got married. As soon as we got married, he went 0:13:21.080 --> 0:13:22.520 to his HR. I was like, hey, I have a wife. 0:13:22.520 --> 0:13:24.200 I want to put her on my insurance. And so 0:13:24.240 --> 0:13:28.880 that was the twenty third of June, and so I 0:13:28.920 --> 0:13:30.320 got my insurance card in mail, but it was like 0:13:30.320 --> 0:13:32.680 I realized it was my dental insurance card. But still 0:13:32.679 --> 0:13:34.920 his insurance is altogether. So there was just a lot 0:13:34.960 --> 0:13:37.000 of confusion today when I was calling, like am I insured? 0:13:37.040 --> 0:13:38.360 I have to go to the doctor today to go 0:13:38.440 --> 0:13:39.880 you know, I have to get my lab tests. And 0:13:39.960 --> 0:13:42.840 so they were just like, h we don't see you 0:13:42.920 --> 0:13:45.280 in the system. So basically I know by the time 0:13:45.320 --> 0:13:47.800 I get because they backdated it to when you first 0:13:48.040 --> 0:13:50.600 first submitted your paperwork. So I'm pretty sure by the 0:13:50.600 --> 0:13:52.560 time I get my bill, I should be fine. But 0:13:52.600 --> 0:13:54.240 the fact that she just gave me that little tidbit 0:13:54.280 --> 0:13:57.040 of like, hey, you can talk them down seventy percent 0:13:57.080 --> 0:13:59.319 if it turns out your insurance hasn't kicked in yet. 0:13:59.480 --> 0:14:01.400 So I just I did in my back pocket of oh, 0:14:01.600 --> 0:14:03.559 something to share with the BA listeners. 0:14:04.080 --> 0:14:07.480 Yeah, I think labs, like anything that's really that's like 0:14:07.480 --> 0:14:09.959 a standard thing, like a lab result, like an MRI, 0:14:10.920 --> 0:14:14.520 a PAP smear, a mammogram. They always say that X rays. 0:14:14.800 --> 0:14:17.360 Those are the kinds of procedures that you can really negotiate, 0:14:17.440 --> 0:14:20.240 not just negotiate like after it's been done, but shop around. 0:14:20.680 --> 0:14:22.880 People don't really do this, but you can shop around 0:14:22.920 --> 0:14:26.120 in your area and and call places or there's there's 0:14:26.120 --> 0:14:28.640 this one website that I met a woman named Jennifer 0:14:28.680 --> 0:14:30.520 I believe was her name, and she started a website 0:14:30.560 --> 0:14:34.680 called clearhealthcost dot com and I'm gonna make I'm gonna 0:14:34.800 --> 0:14:36.680 check out the name of that. But she actually was 0:14:36.680 --> 0:14:39.080 a she was a journalist covering healthcare, and then she 0:14:39.480 --> 0:14:41.440 did a fellowship I think that the New York Times, 0:14:41.480 --> 0:14:43.840 and part of her fellowship was creating this website because 0:14:43.880 --> 0:14:47.080 she wanted to bring more clarity for people looking to 0:14:47.120 --> 0:14:49.720 shop around for their healthcare because a lot of people 0:14:50.080 --> 0:14:52.000 don't realize that if they just go to a different 0:14:52.080 --> 0:14:54.400 zip code or just go two blocks down the road, 0:14:54.760 --> 0:14:58.080 they could save. And like the range of prices are 0:14:58.280 --> 0:15:01.600 like insane, like this place will charge you know, one 0:15:01.640 --> 0:15:03.840 hundred bucks from MRI. That place will charge two thousand 0:15:03.840 --> 0:15:06.240 dollars from MRI. It's all over the map and there's 0:15:06.240 --> 0:15:09.160 no rhyme or reason to it, Like that's what's frustrating 0:15:09.200 --> 0:15:12.640 about it. But you absolutely can and should shop around 0:15:12.680 --> 0:15:14.840 if you know you have time. Obviously, if it's non 0:15:14.840 --> 0:15:17.200 emergent and you don't have you have time to shop around, 0:15:17.280 --> 0:15:21.480 you should have that. Actually, I'm excited because my excited 0:15:21.560 --> 0:15:24.120 is like exaggerated word, but you know, I'm looking forward 0:15:24.200 --> 0:15:26.440 to trying out my new healthcare because it comes with 0:15:27.040 --> 0:15:30.280 it comes with a service called Compass. Okay, and Compass 0:15:30.400 --> 0:15:33.760 is like it's a company where whenever I need to 0:15:33.840 --> 0:15:35.920 go to the doctor, I call them and they help 0:15:35.960 --> 0:15:38.000 me find the most affordable place to go, Like they 0:15:38.000 --> 0:15:41.560 do the work for me and my My main healthcare 0:15:41.600 --> 0:15:45.440 is United Healthcare, but it's part of this new effort 0:15:45.520 --> 0:15:50.480 I think among healthcare companies to make people consumers care 0:15:50.600 --> 0:15:52.720 more about where they get their health care because I 0:15:52.760 --> 0:15:54.920 don't know about you, but for most of my life, 0:15:54.920 --> 0:15:58.760 I've had employer provided or parent parental provided health care, 0:15:59.160 --> 0:16:01.280 and all I think about is, I'm you know, it's 0:16:01.320 --> 0:16:03.360 going to be a thirty five dollars copay, that's going 0:16:03.440 --> 0:16:05.000 to be ten dollars and I don't really care. I 0:16:05.040 --> 0:16:09.000 just go wherever is open, but not really not really 0:16:09.000 --> 0:16:12.240 thinking that the actual healthcare provider is charging the insurance 0:16:12.280 --> 0:16:17.080 company a bajillion dollars for whatever I've gotten. So by 0:16:17.200 --> 0:16:20.680 encouraging people to shop around to get the most affordable care, 0:16:20.720 --> 0:16:24.720 insurance companies are saving money and we're saving money too. 0:16:26.160 --> 0:16:28.200 Yeah, insurance is like, this is so crazy. You could 0:16:28.200 --> 0:16:31.240 tell how old you are by your conversations. Now I'm like, yes, 0:16:31.600 --> 0:16:32.800 excited about get insurance. 0:16:32.840 --> 0:16:40.040 Let's talk about abduct the bulls. Oh so I need 0:16:40.080 --> 0:16:42.360 to do one last health tip. Sorry, okay, because I 0:16:42.440 --> 0:16:44.680 was I was going to do this as a boost, 0:16:44.680 --> 0:16:47.040 but anyway, we're talking about it. So now someone had 0:16:47.080 --> 0:16:49.440 told me that, you know how if you go the doctor, 0:16:49.600 --> 0:16:52.560 you get like a bill in the mail. And sometimes 0:16:52.560 --> 0:16:54.280 it says this is not a bill, But then sometimes 0:16:54.320 --> 0:16:55.960 it's just a bill, and you're like, what is this? 0:16:56.160 --> 0:16:58.480 My insurance could have kicked in. I've been in that 0:16:58.520 --> 0:17:01.680 position before, where I've gone and for like a routine checkup, 0:17:01.680 --> 0:17:04.000 and I come home and I even sometimes when after 0:17:04.000 --> 0:17:06.879 I paid my copay and I'll get an additional bill 0:17:07.359 --> 0:17:09.400 and I'll just pay without thinking about it, like I'll 0:17:09.440 --> 0:17:11.280 just call them and pay it off. Someone told me 0:17:11.320 --> 0:17:15.760 that sometimes billing offices just send a bill to the 0:17:15.800 --> 0:17:18.160 patient and the insurance company and just wait to see 0:17:18.160 --> 0:17:18.960 who pays them first. 0:17:19.119 --> 0:17:19.399 Ooh. 0:17:20.880 --> 0:17:22.680 I was like, say, what is this illegal? Like what? 0:17:24.359 --> 0:17:27.000 So that just raised a little red flag in my 0:17:27.040 --> 0:17:30.040 head because I think even if those bills say, you know, 0:17:30.119 --> 0:17:33.400 this is not a bill, explanation of benefits or whatever, 0:17:33.440 --> 0:17:35.440 it still feels like a bill. And I wonder how 0:17:35.440 --> 0:17:38.080 many people are just paying it because they think they 0:17:38.160 --> 0:17:38.520 owe it. 0:17:39.160 --> 0:17:41.840 You may surprise only these places make a lot of mistakes. 0:17:41.840 --> 0:17:43.679 I don't offer social stakes. 0:17:44.280 --> 0:17:47.760 When Superman had his aneurism surgery, they send him, I 0:17:47.840 --> 0:17:52.119 want to say, like eighteen thousand dollars and he was like, 0:17:52.200 --> 0:17:54.040 why did I get an eighteen thousand dollars check, if 0:17:54.080 --> 0:17:56.880 not more than that, it was something ridiculous like and 0:17:56.960 --> 0:18:01.359 so he called the insurance company. He called the hospital 0:18:01.359 --> 0:18:03.879 and she said, oh, it's likely obviously for us, for 0:18:03.920 --> 0:18:06.439 your like, well, his total surgery was nearly one hundred thousand, 0:18:06.560 --> 0:18:07.800 and I don't know if that was like their last 0:18:07.840 --> 0:18:10.280 payment the insurance company, but they send it to him, 0:18:10.560 --> 0:18:13.159 and you know, and I was like, you know, you know, 0:18:13.200 --> 0:18:14.880 he was like what do I do. I'm like, that's 0:18:14.880 --> 0:18:17.760 a lot of money. Someone's gotta come for you. But 0:18:17.880 --> 0:18:20.080 it turns out and I kind of feel blad because 0:18:20.080 --> 0:18:21.760 I was like, you have to return it. That man 0:18:21.840 --> 0:18:25.920