February 2011, a month after Maggie was born, all the explanation of benefit pages were coming in for my delivery and Maggie's hospital stay. I couldn't keep up with it all fast enough but from the advice of others they said to wait till everything had billed and then see what we owed. We did get one rejection letter from our insurance company that they were not going to cover my stay at OHSU after I was transferred up there post delivery. Everything was covered. We have a plan that has a deductible and then you pay 20% copay to the maximum out of pocket. And then on a few things, they were covered differently, like both Maggie's and mine ambulance rides. So the bills started coming in.
We had a bill from Silverton Hospital, OHSU hospital, OHSU doctors, Woodburn Ambulance and Metro West Ambulance. We figured roughly before insurance it was about $100,000. With insurance, our cost was around $5500. That's a lot of money we weren't really expecting to pay.
But let me know tell you how God works in ways, we can't see.
I called each of the places and asked if we could start paying after I returned to work from maternity leave as our income was reduced while I was at home. They each made appropriate arrangements and I headed back to work in March. I then called each place and asked to set up a payment plan as there was just no way we could pay all of this off. Who has that kind of savings??
We received an anonymous gift that allowed us to pay off both the ambulance companies and make a payment on another bill. I got each account set up and starting paying. Two months went by and it was tight. Each month was to the penny. We were just barely squeaking by and I didn't know how we would be able to do it in the winter months when our heat and electricity bill seems to spike! But we trusted God he would provide and continued on.
At one point when I had called OHSU hospital to set my account up on a payment plan, I mentioned something about how it works to apply for financial assistance that I had seen noted on the back of my bill. The customer service operator asked a few questions and then said she would mail me the application. I received it and then filled it out, got copies of pay stubs and taxes and faxed it back.
Two weeks later, we received a statement in the mail that the balance due had been reduced by roughly $400!! And OHSU doctors bill separately but if you qualify with one, you qualify for the other and reduced our other bill by $700. I was blown away. I had willingly filled out the application but then mumbled and moaned after I submitted it that we would not qualify. We make way too much money, I complained. But I did pray. I asked God that no matter what the outcome, He would continue to provide for us.
You just never know.
God is faithful. AJ and I decided to close out an old retirement account we had and pay the penalty and taxes on it so that we can pay the remainder of all our bills off except for one. God is good! He has provided for us in so many ways. Maggie, medical insurance, a job for both AJ and I, and now a way to pay our medical bills. My human mind wants to manipulate and try to figure out ways to make things work, when the truth of the matter is, God knows and is taking care of us in so many ways, more than we know.
You just never know.