One of the continuing irritations with the present medical system is the administrative confusion that arises when it is time to pay the bill. For some reason, the provider and the insurance company make me the middle man in their struggle for payment or for non-payment as it were. Now the only value, to use corporate speak, that I bring to the argument is I don’t want to pay the bill.

Nonetheless I am continually being dragged into these discussions where my growing irritation is the only clear relevance I am bringing to the debate.

My participation usually begins when the provider, after numerous attempts, has failed to get payment from the insurance companies. They then decide to bill the patient which seems fair and reasonable as the patient ultimately received the service.

Let’s stop here for just a moment. I thought that this was a service that was paid for by my insurance company. I never expected to be billed more than the co-pay. All I can add to the discussion is I didn’t expect to be billed. The provider, rather cleverly, has pulled me into the argument.

But why? I don’t know the arrangement between the provider and the insurance companies. I don’t know how the provider is supposed to code their bills in order to get payment. All I can do is complain to the provider for billing me which is where the provider explains their dilemma — the insurance company won’t pay.

Apparently the ire of the patient helps the insurance company to do the right thing. I grudgingly can accept this tactic although I am baffled why the provider can’t just work it out with the insurance company without involving me. I suspect it is based in confrontation avoidance of the young office workers tasked with resolving these matters. For some reason, they would rather piss off me over pissing off the insurance companies.

Any way, this is where things get truly irritating. The provider wants me to contact the insurance company in order to get payment. WTF. Why am I the one calling the insurance company? Why can’t the provider call them? I am embarrassed to say I fell for this little gambit numerous times mostly because I fear having to pay a large dollar amount bill.

So, I would call the insurance company who then tries to explain to me what the provider needs to do in order to get payment. I am not the one who needs this information. I am not billing them. I don’t care what the provider needs to do, the provider does. At this point I suggest that the insurance company calls the provider to explain. This is usually greeted with mumbles and vague promises to contact the provider. Speaking from personal experience this rarely happens.

Because the insurance company has provided me with some useful information that might help the provider get their money, I try to pass that on to the provider the best I can with the suggestion that they themselves might themselves call the insurance company to ensure I have my information straight. More mumbles and more promises. Speaking from personal experience this rarely happens. I know I repeat myself.

The good news is I have came up with a new strategy that sometimes works. I don’t pay the bill and you know the provider and the insurance company seem to find a resolution without involving me. It sometimes takes awhile but they eventually work it out without me paying a thing or becoming the middle man.