I am currently on Medicare and I’m grateful for that since I’m not sure how I could exist without it for now. Overall, it works well for me and I haven’t had much trouble with getting approvals or whatever.
But this is funny. Medicare has been refunding my 20% “co-insurance” (don’t call it co-pay, they don’t like that) with the shrink. I was advised by someone to not try and call Medicare to figure this out, just to cash the checks. But, as far as I can tell, they shouldn’t be refunding this. I figured if I cashed them, at some point people in boring dark blue suits would show up at my door to arrest me.
So I called. And they have a hell of a long computerized system to just get to an agent. Of course I was disconnected and had to go through it again. The agent I eventually spoke with insisted that Medicare was right. I shouldn’t be paying the co-insurance (not co-pay! really!) up front and that was probably why they were refunding it. Huh? They’re actually refunding more (slightly) than I pay and if they refund me, that cancels out my 20% so I’m paying nothing and, in fact, making a slight profit. The agent got irritable the more I tried to understand and told me I could file an appeal if I disagreed but they were right.
So, okay, I guess I cash the checks. I still don’t get it. Be prepared to write me in prison.