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Yes finally!

Posted on by DS

Paying bills and getting us back on track ironically brings a sense of normalcy. I planned out a budget, and DH umpired some double headers two weeks in a row which gives him enough money (up to one thousand dollar loans) to take care of his needs for the next two weeks. This is the first time DH has lived “alone” ever in his life. By alone I mean solely responsible for himself and no one picking up his slack. It’s been an interesting experience for him.

+ for me consisted of getting pay checks and dd’s rent check in the bank and cashing out for envelopes. (Dd pays rent to us on a monthly basis.) Over the weekend I set up the electric/gas bill for payment today. I will go in to online banking this evening or tomorrow morning to set up the rest of the month’s bills. The water bill comes out around the 15th. I may start just paying a flat amount that is just above what we usually pay so I can get it paid a the same time. Sort of like levelized billing, which is not offered on the water bill. We already take advantage of levelized billing for our electric/gas. It is a “rolling average” of the last 12 months.

We got an alarm system for the house with monitoring. We had to adjust the budget for that but we did not have to cut out anything, just lowered another category.

Regarding Bank Loan

Posted on by DS

Thanks for the concern, I agree that these terms are usually provided in the repayment schedule, but due to liquidity problems, company is paying lumpsum amounts, (not as per repayment schedule), for eg. installment was to be paid as Rs.2 million (being Rs.1.5 mn principal and Rs.0.5 mn markup) but company has paid Rs.1 million, and then Rs.7 million then Rs.2.5 million, all the payments are uneven, and now the bank has gone into litigation, Court has rejected the bank’s claim regarding penal interest as the same is not allowed, Supreme Court’s Decision is already available in this regard. Now what about the actual payments, will these be accounted for against principle first or against markup first?

I would be thankful, if anybody can give me reference of any SBP’s Circular or HC or SC’s Decision????


Paid all my regular bills for the month

Posted on by DS

Finally got the bill from the allergist…she only bills me 2x a year, but I make sure I have the money saved. she is still cutting some of my bills in half, so she will get her check this week.

Grant struck in the form of a leaky water tank. I spent all morning trying to line up people to get me quotes to replace. 2 have already tried to talk me into changing my system completely…I have solar, it works fine, just need the tank replaced. I must use a plumber because a permit has to be pulled, the city needs its money. I do have a lead on a contractor that might be able to pull the permit and us do the work, I have already found out what the tank will cost. We shall see…

Our karate business is growing, we are at the break even point and I hope my DH decides to take a paycheck soon. Right now we are looking to get a “short” bus so we can do an afterschool program. The bus needs to be 15 or less seats–no special drivers license, the kids would be already registered to our karate program and my daughter is a certified teacher and would be the director.

So glad to be helpful

Posted on by DS

It is amazing how many billing errors doctors make. That is why I posted about all our billing error problems. I was hoping it would help at least one person. I got my wish.
BTW, we received a refund check from another doctor last week. It seems the insurance company paid them some more nearly six months after it had declared they had paid all they would. It was almost $30. I’ll take it. Put it directly on the one mortgage we have left..

A win!!!

Posted on by DS

In taking advice from Henry (thank you very much, Henry) I went over my children’s annual check-up bills with a fine tooth comb today. Lo and behold I found two BIG errors, not in my favor! Shocking!
One was that the Pediatrician had billed the insurance company for two well child care office visits. Bye, bye $121.05.
Second was the insurance company had billed me the full amount of my son’s well office visit instead of just a $35 copay. Bye, bye $74.74!
So all in all, I saved $195.79 today!!!!
Check your medical bills. It definitely is worth it!

Seems to be my pattern any more

Posted on by DS

So let me think here, what has happened in the last two weeks. We got the money difference back on that extended warranty policy the dealership had tried to bait and switch on us $714.
As I mentioned in my response to Shay, we got nearly $30 in a refund from a doctor bill overpay, because the insurance company paid more on the bill. Why I don’t know, but I’ll take it. At least the doctor was honest about it (let me say here, it was NOT the 3 Stooges office).
We have been doing some minor traveling working on trial runs (see blog listed below) to work the kinks out of our packing before we hit the road in the spring.
I ended up having to replace my five year old phone because of various problems it was having—it was a refurbished one. So now besides having to learn the ins and outs of Windows 10 on my new computer, I have a new phone to learn. Both were on the schedule to be purchased before we retired, just not this soon.
Now the really big news. DS (son not husband) got a promotion and a pay raise! He got back the 10% they cut everyone’s hourly wage plus $.80 per hour. It is still 10% below what the higher rank he is now at, but at least he got a raise!
I posted a blog post today, and have about 6 more wrote up, one a day for a week at least, because I have another one started. So stay tuned.

Friday, and again today I answer the phone to get a “dun” call from of all places my dh’s gp doctor

Posted on by DS

The canned message says we are in arrears on our bill to them. Say what? We met our out of pocket over 6 months ago. Why in the heck would we owe any doctor anything at this point.
I started thinking about it and remembered dh said he got charged for his rx the last 2 times he picked them up as well. Hmmm something stinks!
So first of all I contacted the people placing the phone call. Yep, according to them we were $70 in arrears to them. I explained we met out of pocket back in March and they said contact the dr and the insurance company.
Called dr first, they said the insurance company said we hadn’t met our deductible!!! Seriously? Hadn’t met our deductible? Remember we met that with the first $16,500 hospital bill back on the 15 of January!!! I thought I had that all straightened out.
So I called BC BS and she claimed we had only paid $3,150 for 2015 and we had a $5,000 deductible and a $12,500 out of pocket before everything should max out. I asked her how we could possibly not have hit those numbers when my dh’s medical total so far for this year came to $66,000? She said I just didn’t know how to calculate a deductible…Now any person who know me with a brain would have ducked for cover at that point. But noooo, this “lady” kept on telling me that they had over paid and therefore we owed at least $2,000 more to meet our deductible. EXCUSE me?
If nothing else the amount medicare paid would have covered that, I knew for a fact that Medicare had approved all the hospital expenses and therefore as secondary would have more than covered the deductible. She informed me that they had nothing to do with medicare, that we still owed them money.
I told her no way did I still owe money when everything they didn’t pay on the original hospital visit should have been paid by medicare and that alone should have been met my deductible and nearly my out of pocket!
Only then did she mention they had a bit of a “problem” with their system during the first six months of the year and that they MIGHT have over paid on some charges and underpaid on others…So she actually pulls up the file and immediately says, “see we paid $13,000 on that first $16,000 bill and we shouldn’t have paid that bill at all because you hadn’t met your deductible. I quickly pointed out that Medicare would have paid on the bill a minimum of $5,000 if not more and that would have still left $11,000 for them to pay. That I was in fact charged deductibles on bills through about April when I raised cane because they were charging me over $9,000 for my deductible at that point.
She goes in and starts looking at the file and starts muttering it was all messed up and then tells me. “You have a choice, I can go in and have everything all recalculated and you might end up owing the additional $2,000 or…you can just pay the medical from here on out until you reach that $2,000.”
Seriously? Does she think me a total idiot? There is ZERO way I am taking either option and I told her so. That if they messed up their calculations, that was entirely their fault and they couldn’t come back six months later and claim we hadn’t met our deductible on $66,000. Give me a break, I may be a senior citizen, but I still have a good mind.
That we had already paid all the doctors and hospitals office and we had with our payments combined with medicare payments if anything they owed me money!
She stammered around for a bit and then said she would like to re-do our calculations, without changing the payout record and get back to me with exactly who owed who what. They are suppose to call back on Friday. In the meantime I am doing calculations of my own.
Because the way I seen it right off the bat, yes they overpaid on that initial bill, because they didn’t charge me anything on it. They paid the full $16,000, but then they charged me $5,000 in deductible on later payments.
I checked medicare and discovered they had approved the ENTIRE $16,000 for payment, but didn’t pay because BC did…
So now we have a problem because it is 8 months later and medicare is not likely to pay a penny due to the delay BCBS created. I am NOT paying due to BCBS error. They can try and talk to medicare if they want to get their money back, but the way I see it that error right there covered our entire deductible and $11,000 of our out of pocket. That means BC BS owes me nearly $2,000 … plus the rest of dh’ medical needs to be paid in full by them for the rest of the year.
Considering he has an appointment with the 3 stooges that will involve lab, xrays, a $300 doctor’s visit and much more on the 18th, they better get this fixed immediately. I am NOT paying that bill, and I am not dealing with the 3 stooges again!
So hang on to your hats here we go again!