Search found 213 matches

by njuser
Wed Jun 17, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways
Replies: 20
Views: 1216

Re: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways

The third approach would be to give up, pay the roughly $250 bill, and move on to other issues. Financially we could do that without significant harm and we have plenty of other issues on our plate. Suggestions are welcome and appreciated. A question I would ask is 'what is the negotiated rate for ...
by njuser
Wed Jun 17, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways
Replies: 20
Views: 1216

Re: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways

https://www.horizonblue.com/providers/news/news-legal-notices/medical-policy-revision-vitamin-d-testing "Medical Policy Revision: Vitamin D Testing Effective June 15, 2016, Horizon Blue Cross Blue Shield of New Jersey will change the way we consider certain claims for testing vitamin D levels in pat...
by njuser
Wed Jun 17, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways
Replies: 20
Views: 1216

Re: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways

I got this from my insurance company: Aetna considers measurements of serum 25-hydroxyvitamin D experimental and investigational for routine preventive screening. And they do not pay for anything considered 'experimental'. So for example a simple deficiency might not be considered 'necessary', but w...
by njuser
Wed Mar 18, 2020 9:04 am
Forum: Personal Consumer Issues
Topic: Dentist/Dental hygienist? (in times of COVID)
Replies: 25
Views: 1551

Re: Dentist/Dental hygienist? (in times of COVID)

I would go and get it taken care of. Our dentist just notified us that they will be closed for two weeks.
by njuser
Mon Mar 09, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19474
Views: 2697211

Re: U.S. stocks in free fall

tenkuky wrote:
Mon Mar 09, 2020 8:33 am
7% down at open
Wheeeeeeeeeeeeeeeee
Thanks for the laugh.
by njuser
Mon Mar 09, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9513

Re: Suggestions for wife's new luxury (or non luxury) SUV????

With no disrepect to the Kia fans out there this is a 10K test...how about they check back in after 200K and see which one needs the most reoairs and has the best resale? They do look good upfront I will say that.. The vehicles you suggested, the Land Cruiser and 4Runner, are relics from 2007. Thos...
by njuser
Tue Jan 28, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out cash
Replies: 52
Views: 4399

Re: How to get out cash

Just get $100 worth of singles and $100 worth of $5s from your bank. Keep them in a jar somewhere. When you need some they are right there. Don't have to press the icky buttons on the ATMs.
by njuser
Tue Jan 28, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173181

Re: What frugal thing did you do today?

Since frugality seems to be a way of life, what did you do today that was frugal? As for me, worked out at the gym, but shaved and took an extra long shower there to save on my utilities. :D Frugal?!? You lost me at went to the gym. Actually, I would count a gym membership as an excellent investmen...
by njuser
Wed Jan 22, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173181

Re: What frugal thing did you do today?

Splurged on a designer handbag. Got a Chase fraud alert: they were like wth that's not her. Agreed with them, called store to cancel order.
by njuser
Wed Jan 22, 2020 7:50 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27502

Re: Sad news: LadyGeek's husband has passed

Thank you for sharing. Sorry for your loss.
by njuser
Sat Jan 18, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing, out of network service
Replies: 18
Views: 999

Re: Medical Billing, out of network service

So you received an EOB from your insurance company for some service that an out-of-network provider billed at a rate of $45,000? And the EOB shows that the insurance company will only reimburse about $400 for those services? And the mailed you a check for that amount instead of paying the provider ...
by njuser
Sat Jan 18, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing, out of network service
Replies: 18
Views: 999

Re: Medical Billing, out of network service

Big Worm wrote:
Sat Jan 18, 2020 9:16 am
Could be anesthesiology, radiology, pathology. Could also be something really sneaky like surgeons "assistant" or some other nonsense.
I don't think that those services, provided during a surgery, would generate a 45k bill.
by njuser
Sat Jan 18, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing, out of network service
Replies: 18
Views: 999

Re: Medical Billing, out of network service

So you sat down with the provider and insurance company to make sure everything was covered in network before the surgery? If so, you still got screwed by the provider? If this is the case, still adds another notch to my confidence of how bad it is out there. I'm losing complete trust in the medica...
by njuser
Sat Jan 18, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: How far in advance to buy flights to Orlando/Disney over Thanksgiving 2020?
Replies: 8
Views: 858

Re: How far in advance to buy flights to Orlando/Disney over Thanksgiving 2020?

Honestly I don't think that flights will go up over $600 pp RT until the last minute. I think that $400 pp RT would be a 'good' price that time of year but I am guessing like the rest of you. I would check every day morning and afternoon until feel comfortable with the price. It is still early but s...
by njuser
Sat Jan 18, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17201

Re: Some possible luxury SUV choices to buy: Opinions?

Looking at pricing max around the mid 40s with all the safety goodies: auto braking, adaptive cruise, lane keeping assist, blind spot warning, cross-traffic alert. Also desire android auto, can take or leave in-dash navi.... I value headspace. Reliability important to me. Not interested in Lexus be...
by njuser
Sat Jan 18, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing, out of network service
Replies: 18
Views: 999

Re: Medical Billing, out of network service

Sometimes, instead of paying out of network providers directly, insurance will send the payment to the patient. You would then use this money to pay the provider yourself. Usually the biggest bills you get will be from the surgeon and the facility. Since they are both in network and were paid, I am ...
by njuser
Fri Jan 17, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4997

Re: Medical Billing, is this typical?

Update: Talked the the Dr. Office and the office manager told me to come to the office and they will help me. Went in this morning and they took off all of the charges that was billed at their office and made a copy of the lab bill and said they should be able to resubmit it to the lab as annual ph...
by njuser
Tue Jan 14, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4997

Re: Medical Billing, is this typical?

Well, things got even more interesting. I just got a bill from the lab for blood tests and the total is $2,900 :annoyed :annoyed I hope that you have been in contact with the doctor's office. That kind of bill makes me think that you did not use an in network provider for your blood work. Where did...
by njuser
Fri Jan 10, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4997

Re: Medical Billing, is this typical?

That is not typical. .... If none of this works, your last resort is to call each provider's billing department and try to negotiate a discount. Do these preventive checkups include the cost of lab work under free screenings? Preventive blood work is covered but if your doctor writes anything besid...
by njuser
Fri Jan 10, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4997

Re: Medical Billing, is this typical?

edit.
by njuser
Thu Jan 09, 2020 8:37 am
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7549

Re: How do you mentally process stupid ways of losing money?

My first big mistake was Lucent stock. Lost 3K and it made me physically ill for about a year. That cured me of being a stock trader so it actually saved me money in the long run. I've had other, bigger losses, but this one affected me the most because I felt 'stupid'. It happens to everyone, but pe...
by njuser
Thu Jan 09, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4997

Re: Medical Billing, is this typical?

Actually, it's the insurance company that decides the coding of tests as preventative or diagnostic. We found out the hard way some years ago, when our Blue Cross PPO plan was removed from our choices, and we had to go with another PPO plan. At our annual physicals, the doctors (two different pract...
by njuser
Thu Jan 09, 2020 7:49 am
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4997

Re: Medical Billing, is this typical?

Were all of these tests done at the doctor's own clinic or using outside resources? Everything was done at the doctor's own clinic. Then I would most definitely take it up with the doctor's office as he is the provider who is going to charge you. Again, he knows what is preventive care and what is ...
by njuser
Wed Jan 08, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4997

Re: Medical Billing, is this typical?

That is not typical. Thank you for the information. The issue is mainly with the Dr. Office not the insurance company. I haven't met my deductible so this is why I need to pay out of pocket for these extra tests. In this case can I still file a complaint with state department of insurance? I would ...
by njuser
Wed Jan 08, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 4997

Re: Medical Billing, is this typical?

That is not typical. Insurance is telling you what you are responsible for via the EOB; they are not judging whether a test is or is not appropriate. Look at each charge and see why it was charged. Here is a list of preventative services which should be included in your 'annual physical'. It is quit...
by njuser
Fri Jan 03, 2020 12:34 pm
Forum: Personal Investments
Topic: Vanguard: "Your Account Needs to be Transitioned"
Replies: 47
Views: 10808

Re: Vanguard: "Your Account Needs to be Transitioned"

I've been seeing 'your account needs to be transitioned now' for months. Sign in today expecting to do it and nothing. Did a search for 'transition' and got zero results. Are people still staying with the old platform?
by njuser
Fri Jan 03, 2020 11:41 am
Forum: Investing - Theory, News & General
Topic: Now is a good time to start tracking your net worth.
Replies: 123
Views: 11544

Re: Now is a good time to start tracking your net worth.

I do this for the past 5 years and also started keeping track of expenses the past three years in preparation for retirement. Wish I started the expenses sooner.
by njuser
Fri Jan 03, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173181

Re: What frugal thing did you do today?

Just got a new family toothbrush. Last one lasted over 2 years among me, the wife and 2 kids. Serious question: do you also recycle other utilities such as paper towels and what not? My friend with the water bottles does reuse paper towels. She lays them out to dry. I use twice as many in her honor.
by njuser
Thu Jan 02, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173181

Re: What frugal thing did you do today?

abuss368 wrote:
Sat Dec 14, 2019 4:22 pm
Refilled all the spring water empty bottles with tap water and told the kids it was all fresh.
My neighbor does this. I found out after I got a bottle from her fridge and drank it. I felt disgusted. When I read your post it brought me right back to her kitchen.
by njuser
Tue Dec 31, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324618

Re: Best watch for around $5,000?

I wish I could streamline my investments like that. I have a bad CD habit.

Happy New Year~
by njuser
Tue Dec 31, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: System for navigating prescription pricing?
Replies: 11
Views: 842

Re: System for navigating prescription pricing?

Only $26?? That's a lot. I always check on GoodRx. I usually have our doctor call the prescription into our local supermarket drugstore that has decent prices. I will transfer it to big box discounter if it's 'worth it' to me. Sometimes Walmart has a specific thing a lot cheaper than others so I may...
by njuser
Sat Nov 23, 2019 7:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 216
Views: 23019

Re: Vanguard brokerage account transition

I was going to do it in January. Is there a deadline? I think January is a good month to transition, meaning before any distribution (Div/Int) happens. We upgraded mid-year and got multiple 1099s at year-end, one for the old account and one for the new account. Kind of messy, I didn't like that. Th...
by njuser
Sat Nov 23, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19778

Re: Help: Husband's Surprise Debts

Two things stand out to me here. 1. You still don't seem to know where the money went. 2. You seem not to want to upset him. In your shoes, I'd consult an attorney and then figure out which kid lives in or near a LCOL area. Move out and move on. Unfortunately I am old enough to have seen friends an...
by njuser
Fri Nov 08, 2019 7:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 216
Views: 23019

Re: Vanguard brokerage account transition

I'm getting more frequent messages about transitioning my account. I was going to do it in January. Is there a deadline?
by njuser
Mon Nov 04, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 4212

Re: Wedding gift from brother

Money.

And you could also include something small and sentimental as above.
by njuser
Thu Oct 31, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 4028

Re: Halloween Candy - Favorites; Throw it in the Bag

MarkBarb wrote:
Thu Oct 31, 2019 5:01 pm
Oh, and I'm following this thread for financially prudent Halloween candy ideas for next year, so that's why I think this is an actionable topic.
You have to give out the good stuff. The kids know.
by njuser
Thu Oct 31, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 4028

Re: Halloween Candy - Favorites; Throw it in the Bag

My wife is handing out Sugar Skull rings, hot cocoa mix, and Slim Jim's (beef jerky). My favorite as a child were the home made popcorn balls. You don't see any home made stuff anymore. My neighbor used to give those out and I went and got one every year but never ate it. This year I gave out full ...
by njuser
Thu Oct 31, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173181

Re: What frugal thing did you do today?

I wonder what percentage of these posts are true. Some are really good.
by njuser
Thu Oct 31, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 156
Views: 15289

Re: Possible Layoff: Need Assurance That We Will Be Okay

Dear OP-

I am an extremely nervous, ultra-saver and I think you are fine.

You should feel great. My husband worries about his job too and I have to keep reminding him that he literally doesn't need to work anymore. It's just that mindset about losing control. You actually have control. Enjoy it.
by njuser
Tue Oct 22, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Billing Question: what's a "long" doctor's visit?
Replies: 25
Views: 3354

Re: Urgent Care Billing Question: what's a "long" doctor's visit?

It's not just a matter of time spent in the room with you; it also depends on additional factors.

google: coding 'routine' office visits.
by njuser
Tue Oct 22, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4409

Re: BCBS wont pay lab bill...

Another thing worth mentioning: my insurance company's website has a page devoted to 'clinical policy bulletins'. These vary by state and list things that the insurance company considers experimental, medically necessary, cosmetic, unproven, etc. It's worthwhile to read through it and look for thing...
by njuser
Tue Oct 22, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4409

Re: BCBS wont pay lab bill...

Insurance denials can be fickle and unpredictable. I don't think doctors know in advance. ----------- Patients need to ask which lab it's being sent to, although I'm not sure if they have any recourse if the doctor sends it to another lab anyway. Something similar recently happened to my son. I wen...
by njuser
Mon Oct 14, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 173181

Re: What frugal thing did you do today?

OTOH, here is an un-frugal thing that I did. I am a recreational jogger, meaning 3 times a week, 3 miles each time. I often see fellow joggers in these nice UA or Nike wicking shirts and wondered if they might actually add wings to my back in a hot summer day. I finally gave in and bought one. The ...
by njuser
Wed Oct 02, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 9355

Re: First car for child

I'm getting the impression that for bogleheads, it's considered the norm that essentially when one gets old enough to get a driver's license they are provided their own car. Newly licensed, my kids borrowed our old, beat up cars for the most part. I got my oldest his first car (Nissan) so that he c...
by njuser
Wed Oct 02, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4803

Re: Equifax breach settlement update?

JBTX wrote:
Tue Oct 01, 2019 5:24 pm
I don't need anybody else to monitor my frozen credit for free.
Short answer ^^^
by njuser
Wed Oct 02, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 10898

Re: Who has had a pool?

NJ here. Put in an inground pool because husband really wanted it. He still uses it. The kids used it a lot until college years. It's nice to have. Installation was stressful. No matter who your installer is, delays happen, sidewalks and pipes get broken, etc etc. It all works out but you will pay m...
by njuser
Tue Oct 01, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4803

Re: Equifax breach settlement update?

Has this been posted? From ftc.gov "5. I thought I could choose $125 instead of free credit monitoring. What happened? The public response to the settlement has been overwhelming. Because the total amount available for the alternative compensations is $31 million, each person who takes the money opt...
by njuser
Tue Sep 24, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 9355

Re: First car for child

oh, they will have accidents. One time son #2 scraped son #1's car that was parked in our own driveway. There were many other various fender benders. We handed down several cars. I would say that the Forester gave us the least amount of trouble: great visibility combined with 4 cylinders. Hard to me...