Monday, September 28, 2009

Praise the Lord! - Insurance Matters almost settled

Thank you Jesus, thank you Jesus, thank you Jesus!!!!!

As many of you knew, or could probably imagine, the medical bills started rolling in over the past few weeks. It never ceases to amaze me how many people want a piece of my medical pie. There are names listed on the claims of doctors I didn't even know existed...and yet here they are wanting cold hard cash from me. Lord have mercy.

Anyway, I finally bit the bullet today. I decided that today would be the day that I would sit down and sift through each individual claim, and figure out what we were going to owe total. According to the initial estimates by the insurance company, we would pay somewhere around $800, but as the bills have been pouring in, I have grown increasingly doubtful that this number would be accurate. We needed a financial miracle! So I started my morning off at mass, where the readings strengthened me with the knowledge that God would provide for us. Even though they refer to events of the Old Testament, I couldn't help but think that God was speaking to our situation too...

Even if this should seem impossible in the eyes of the remnant of this people, shall it in those days be impossible in my eyes also, says the LORD of hosts? Thus says the LORD of hosts: Lo, I will rescue my people from the land of the rising sun, and from the land of the setting sun. I will bring them back to dwell within Jerusalem. They shall be my people, and I will be their God, with faithfulness and justice. (Zechariah 8:6-8)

The way I heard this scripture translated into my life:
"Even if your medical bills are piling up and the solution seems impossible in your eyes (oh you of little faith), shall it even now be impossible for me also, says the Lord? Thus says the Lord...Suzy, listen, I will rescue you from the doctors and the hospitals. You are safe within my grasp. You are always my daughter and I am always your God, with faithfulness and justice. I am faithful in keeping my promises and will bring justice to this situation."

After mass, I knelt before the tabernacle for awhile and gave the entire situation to our Lord, asking Him to be my defender and to work all things out. I told Him it was far beyond my ability, but that I was trusting that He could accomplish all things. I then went home, prayed 7 Hail Marys to gird myself, and opened up my Claims History on our insurance company's website.

As I was looking at the claims, the total amount we owed that I kept getting was $7,191.92....quite a big difference from the $800 we had been verbally promised prior to surgery. I prayed for God to work the situation out and to give me wisdom into the situation. Then I noticed the one little perky column called "PPO Discount". Ah, thank God for the PPO Discount!!! Once I adjusted the spreadsheet to account for this, the numbers came into full focus and totaled....$867.00. Thank you Jesus! That was much more affordable.

So, of the $35,725.75 that the surgery cost in total (the previous amount I'd listed of around 31K was just the hospital's portion), we will only have to pay $867.00 As we had already put in a down payment to the hospital (at their request), we are left with a little over $500 left to pay.

Thank you Jesus, thank you Jesus, thank you Jesus!

We still have at least one claim out there in cyberland, but it shouldn't be to bad. So after two months of holding our breath and sticking our heads in the sand to avoid looking at what our total amount would be, the Youngers have finally emerged and through the mercy and love of God are breathing again. Thank you to each and every one of you who prayed for us. We appreciate it so much!

All glory be to the Father, the Son and the Holy Spirit, as it was in the beginning, is now and will be forever. Amen!


  1. Praise God for HIS goodness to you!!! Amen!!!

  2. This blessing is fresh for my dh and I too. I had surg last May and we too were told a certain amount. However, I guess I had a few more "complications" so the bills were higher but Thank God our insurance covered quite a bit. We were so thankful...just so thankful. Right now we are depending on my dh's income since I'm going to grad school and I only work barely part time. We are so thankful I had the surg because I'm not suffering with endometriosis anymore....and the bills were affordable! I always try to thank our Good Lord for all blessings in my life...big and small. Glad to hear your bills were affordable too and it sounds like you are just as thankful. The Lord is Good!!! God Bless.

  3. so happy to hear it worked out in the end. I know it was a source of stress when I saw you.