I'm sorry, but a hospital bill for $800 from back in September when I had my staph infection does not qualify as an emergency that I'm going to drain 80% of my baby emergency fund for. Nope, not happening. I refuse to pay it, as you can see below:
Background: On a Friday in September, I started feeling what felt like zit on the inside of my nose, which was strange, because after being on Accutane for 8 months, I don't get zits anymore. By Monday, my whole nostril was red and swollen. So I went to my dermatologist. He said it was an infection of some sort, gave me an antibiotic and told me to come back on Wednesday if it wasnt getting better.
Well, by wednesday, it was NOT better. so I sent in to see him and he looked at it again and said that I needed to go to the ER to get IV antibiotics. The pill wasnt getting the medicine to my system fast enough.
Fair enough, I trust my doctors opinions. So I go. and I sit, and I wait in the waiting room. And finally they get me back there and the doctor takes one look at me, says "eh, it's a staph infection. you dont need an IV. We'll just double your dose of pills to knock it out and you'll be good to go."
Soooo, ER doc gave me a prescription for yet another pill and sent me home.
A couple of months ago, I got a notification from my insurance company that they had declined to pay the ER or Physicians bills for the hospital because their review of the situation determined that it was unnecessary for me to go to the ER. Well, sure. If I had known it was just going to be another pill, my dermatologist could have prescribed that. But HE wanted me to get an IV, and the ER had other plans. Therefore, since the hospital did not follow the recommendations of my dermatologist, which resulted in my insurance company declining the bill, who got stuck with it?
How the hell was I supposed to know that would be the outcome? Thank you, health care industry. You suck. Oh wait, I haven't paid you yet. Aaaaaaand, I don't intend to. I'm gonna wait long enough that you'll be happy to get something out of me, and when I'm satisfied that it's low enough I'm willing to pay, or I'm abundantly rich and can afford it to make you go away, I'll pay it then. But for now? No way. Your screw up for not following doctors orders. I'm not using my $1000 emergency fund to pay for this, and I have other bills that are more important, and I need to save that money for a true emergency. It's just going to have to wait.