Health Insurance, NSF rant

For the last 10 years I have had insurance with minimal or free blood tests, and I get certain tests often due to my medical issues. My new medical insurance (last policy does not provide coverage in my new state) charges for my routine blood tests. I went a couple weeks ago, I know I owe the money but I was going to pay with a different account than our personal checking. Several hundred dollars .

Dear husband checked out at the doc (in a daze from fever etc) and he paid the entire bill, his charge plus my previous bloodwork on our checking debit card.

His paychecks for our personal checking are autodeposit, though he was paid on Friday they wont post til midnight this Monday. Meanwhile I have two $30 "courtesy coverage" fees, and more on the way from the bank since that payment emptied our personal checking. Who knows how many more since I have subscribe and save at amazon.... I will call the bank in the morning and see if they can help me out. The money is there, just not posting into our account soon enough!

 

Most likely the bank will help you out on that one. Although I don't remember how much, I know we set it up with our bank that should we somehow not have enough to cover a check, they simply take enough out of our savings to cover the check. That way there is no charge. I do remember when we did this that my wife had made a $100 mistake in the check register and when we got our statement, there was a charge for overdraft. When we set up to cover that should it happen in the future, they also removed the charge for overdraft without us even asking them to do it. Yes, it is nice to have a good name at a bank!

 

I left a voicemail this morning, but was gone most of the day, and my voicemail in the boonies does not work, nor caller id 1/2 the time.

I think I have overdraft, except savings is empty I wonder if they see I have $ in a money market attached there? And thats why they keep doing $30 courtesy fee coverages? I will call again in the morning. I left a message but then was gone most the day with hubby to doc then back to town for groceries. I sure hope they will make me whole, up to $310 in "courtesy coverage"

 

I can do that. And with my work experience I think I can still do it gracefully and convincingly. I will update for sure

 

My bank refunded the ENTIRE amount

Good thing, as one of the $30 fees was for an item from amazon that cost $1.79. I didn't even have to stomp. Wyoming peeps are nice

 

Wrong letter to open on the first day of the new year. Hubby's plan w lil one as dependent going up $450/ month for premiums as well as a hefty increase in the deductable.

This is additional to the several hundred dollar increase in premiums from last year. I sure am glad we have a smaller mortgage now, but the idea was to save that $$, not spend it.

 

I think they have a smiley for that, feel free to use it!