I have to have a nebulizer for my asthma. We've kind of been going round and round with our insurance over this nebulizer because when we first got it, we were told that they (our insurance) would pay the monthly fee on it for 13 months and then we would own it. But they only paid a couple of times and then I started getting bills. When I called the medical equipment company we got it through, there was still confusion and I was told to disregard the bills and it was a mistake and the insurance was paying. Ok, fine. But then a few months later I started getting bills again - and they had just been snowballing since I was told to disregard them.
I don't mind paying a bill, but I just want to understand the charges first, kwim? And since I had been told first one thing and then another, there was just a lot of confusion. I have seriously been thinking about turning the nebulizer back into the company (which they do allow) and buying one on my own from Amazon. I know I can get them there for about $45-$50. So today I decided to simply go to the medical equipment store and talk to them in person to sort all this out. In my experience, talking to people in person usually works out so much better than calling them on the phone. It turned out that I would have had to pay more monthly payments totaling about $65 after all was said and done. So I was trying to weigh the advantage of doing that to just keep the one I have or turning it back in and buying one from somewhere else. The lady who was working with me was very sweet and she told me that if I would pay $30 more on it, she would write it off as purchased and I would own it and not have to worry about any more bills. I took her up on that offer, so I saved at least some money on it.
I also learned that any time I need to buy any more medical equipment, to ask how much it would cost me to buy it myself outside of insurance. Because if I had done that, then this nebulizer would have only cost me $80 total and between all the payments I was billed and the $30 I paid today to pay it off, I paid more than $80. So, lesson learned, but I'm still grateful that she did give me a break today. $15 (the price difference between me buying one from Amazon for $50 and the $65 I would have had to pay in monthly payments for this one) saved is certainly better than nothing!
Have you saved some money in some way this week?