After we picked up the medicine, I got to looking at the receipt. I thought we just got an amazing deal...$10 for 3 prescriptions. However, we were only charged for one of the three medications. What ????? Focused on having fun, I decided to put it aside and think on later when we got home. Arrived home and decided not to worry about it, afterall, I made it all weekend without thinking twice about it.
Today I had to refill a couple of prescriptions. I signed the slips and sent my card in through the drive thru tube. I even put in my member number for Dillons so I could get my fuel points. The clerk informed me there was no charge! What? ? I looked at her and told her, "I always have to pay for my prescriptions. What is going on? This is the second time this has happened." Poor girl, she didn't know what to do. Here she had told me, "No charge" and I was insisting on paying. How crazy is that ! ? ! ?
She quickly went and found reinforcements. Receipts and paperwork looked over. I was told that everything had been processed and was correct. Balance due: $0
She did suggest we might have met our deductible for the year.
We DON"T have a deductible. Just co-pays.
I call the insurance company.
Our insurance has a catastrophic medical clause. Once you reach the designated amount out of pocket in a year then all medical expenses are covered at 100% for the remainder of the enrollment period!
Co-pays, prescriptions, eye doctors, dentists, counseling and therapy all apply. But NOT orthodontics. Bummer, cause Hockey Player is suppose to start that process next year and we would just have to start him this next month if they were only covered.
The year, I try to NOT go to the doctor. The year I am constantly reassuring hubby all will be fine, they don't need to go to the doctor. This year we meet our maximum out of pocket and qualify for the catastrophic clause. We have a month left + a day. Do I give the kids permission to go crazy?
Guess this means I can quit playing the do we or do we not get the flu shot. I hate paying for the flu shot and then we are all sick 3 months later with it.
So now, when I can't figure out what to buy for Christmas for the kids or my husband, I get to try and figure out if there are any medical things we should get taken care of while we can. Maybe the 2 topics can overlap and I will have both taken care of.... allergy medicine for the stockings! Dental xrays all wrapped up in pretty gold filling paper. Hee hee!
I don't know if I should be some what mortified about our medical expenses this past year or ecstatic that there are no more expenses the remainder of this year. For now, I will just celebrate in having no more payments for a month! ! WOohoO
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