Checkbook Cover Cross
by admin on Sep.21, 2009, under Leather Credit Card Holder
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 | Justin CROSS Medium Brown Distressed Rodeo Wallet Checkbook Cover billfold |  |  | US $42.00 | 26d 22h 14m |
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 | NOCONA GENUINE LEATHER WALLET/CHECKBOOK COVER WITH CROSS CONCHO | | | US $29.95 | 9d 2h 3m |
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Checkbook Cover Cross
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| Justin CROSS Medium Brown Distressed Rodeo Wallet Checkbook Cover billfold | | | US $42.00 | 26d 22h 14m |
| Tony Lama CROSS Western Rodeo Brown Leather Wallet Checkbook Cover billfold | | | US $42.00 | 16d 15m |
| NOCONA GENUINE LEATHER WALLET/CHECKBOOK COVER WITH CROSS CONCHO | | | US $29.95 | 9d 2h 3m |
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Edge Of Sanity - Decepted By The Cross
11 Questions About Medical Bills
When you are receiving medical treatment, especially if you were in the hospital, you will get a lot of billing documents in the mail. It will be less confusing if you know that there are three basic types of mail you will receive for each treatment. This article will discuss what these documents are, what information you need to record, and when to pay the balance due, if any.
1. How should I file the statements, invoices, and explanations of benefits forms?
It is important that you open up every single envelope, because you could end up throwing away a reimbursement check! You can sort the documents you will receive in three ways:
(i) By medical provider (for example, doctor's name, hospital name, or lab name);
(ii) By date of the first medical procedure or service on the document (since many documents itemize services from several dates grouped together on the same form); or
(iii) By type of document (for example, all invoices from medical providers, all explanations of benefits forms from your first insurance company, all explanations of benefits forms from your second insurance company).
Any of these systems will work. What is important is to be consistent in the filing method you use and to keep it constantly up to date. If you keep track of your medical bills as they arrive, you will know when it is time to pay and how much to pay.
2. What documents will I receive if I have medical insurance?
If you have a private insurance plan (Blue Cross, Blue Shield, etc.), or if you have Medicare with a supplemental insurance plan, there are three types of documents you will probably receive. They are:
(i) The initial statement or invoice (this may or may not be sent out);
(ii) The Explanation of Benefits; and
(iii) The final bill.
3. What does it mean when the document says, "This is not a bill"?
The first document you may receive in the mail is an initial statement or invoice from your medical provider. Not all offices generate and send this form. But, if your doctor or hospital does, this invoice will usually say "This is not a bill," and it itemizes all of the services you received.
Unless you are a "private pay" patient who is responsible for all of your medical bills, you will probably not have to pay that entire total you see at the bottom of the bill. This form is simply telling you how much is being billed to your insurance company.
4. What is an "EOB"?
After the claim is processed, you will receive a second type of document called an Explanation of Benefits (EOB). If your primary insurance company is Medicare, you will receive a form entitled "Medicare Summary Notice" that itemizes which services they have processed. Medicare or the insurance company will either authorize payment or deny it; this statement will tell you how much of the bill was approved for payment and who was paid.
5. If my claim is denied, what do I do now?
If you see that the claim is denied, call the biller at the office to see what caused the denial. It could be something as simple as a wrong code. Ask that the claim be re-submitted. Most offices will do this automatically, but it does not hurt to call to follow up.
6. I think I need a chart to keep track of all of these claims. What kind of information do I need to record?
After the claim is paid, you will note:
(i) How much was "approved";
(ii) How much was paid;
(iii) The date it was processed;
(iv) If the payment was to you or to the provider; and
(v) If the provider "accepted assignment" of the claim.
7. Do I cash the reimbursement check or send it to the doctor?
If there is a check issued to you, deposit the check, then pay the medical provider the same amount you were reimbursed. Make a photocopy of the check for your records.
8. What if I have a second insurance policy?
If you have a second insurance, the medical provider's biller will submit a claim to that second insurance company after the first insurance's Explanation of Benefits form is issued. The second insurance company will also send you an Explanation of Benefits (EOB) for each item considered by the first insurance company.
When you receive an EOB from your second insurance, you need to record on your chart:
(i) How much was approved for payment;
(ii) The date it was processed;
(iii) How much was paid;
(iv) Whether the payment was to you or directly to the medical provide; and
(v) Whether you have a balance due for your out-of-pocket payment to the medical provider
If you have two insurance policies, then you will determine how much you will have in "out of pocket" expenses for that service, now that both insurances have processed the claim.
9. What is the "final bill"?
The third type of document you is the final bill, which you will receive after all insurances have processed your claim. It will show the amount of the original bill, each payment from insurance, any "write offs" or discounted balances and, finally, your balance due.
10. What if my "balance owing" does not match what is on the final bill?
If you receive a statement from the doctor's office showing a balance owing, and it does not match your records, call the biller to ask for an explanation. If you do not understand the terminology or jargon, keep asking until you have a satisfactory explanation. You may want to have a meeting with the biller so that you can present your paperwork and show how you arrived at the amount due.
11. Why do I need to track every health insurance claim?
By tracking each claim as it works its way through the system, you will know when an invoice arrives whether it is simply informing you that your first insurance has made payment, and you can file it away, or whether that claim has been processed by both of your insurances and it is time to get out your checkbook, if a balance is due.
Remember, if you use a recordkeeping system to keep track of your medical billing, you will be more likely to get all the benefits due to you from your insurance coverage. You need to know that you are not paying out-of-pocket for services that are covered by insurance.
About the Author
Smalltown Duo, owned by Mary Benson and Sibyl Day, specializes in medical and legal books for consumers. They publish a popular book called "What Did the Doctor Say? A Guide for Before, During, and After Your Hospitalization." The book covers topics such as questions to ask about your diagnosis, medications, doctor visits, hospital stays, and avoiding common medical errors. For more information, visit their website. http://www.SmalltownDuo.com
December 27th, 2010 on 12:29 pm
I would agree with Benny's assessment. Women and men today find themselves, depite the plethora of labor saving devices, fewer children, and in the abstract more rather than less leisure time, with fewer hours of the day to do anything at all. The insistence that one must be tethered to one's job 24/7 through computers and cell phones and the fear, for lack of a better word, that seemingly haunts so many parents that their offspring will either be at a disadvantage unless every aspect of their young lives is progammed and regulated or that they will be harmed irreparably unless carefully cosseted has led to the treadmill existence that allows of little if anything else. If one looks at organizations that used to teem with volunteers, one finds their ranks have thinned. And while volunteerism is on the rise among the youth – I have questioned for some time how much staying power that commitment will really have since the volunteerism is “forced” by school requirements and college resume enhancing demands.
A a teenager, I was very active in Rainbow Girls – the junior version of the Eastern Star. Every other week we met – the women who guided us were insistent upon so many things – punctuality, correct memorization of the rituals, paying rapt attention to eh speaker at each meeting, correct attire (one a month, if memory serves we wore formals and long white gloves to our meetings), etc. We were always involved in some charitable concern – that was our function to learn what needed to be done so that when we were older, we could and would be involved on a larger scale. Our meeting were always listed in the social column of the local newspaper. I think it is another one of those fraternal organizations, like the Grange, Society of Odd Fellows, the Elks, etc. that have gone the same path as the Shakers of the 19th century. Such groups played an important part of small town life – but they are now viewed as elitist – and that has been their death knell.
We, as a society, expect government to do all for us. We also expect that, as Joan wrote, the “man with the checkbook” to cover it all – only instead of the check writer spending what he wants to spend as he is able within his budget, the government determines what percentage the check writer must pen into those blanks regardless of any other considerations as it is the government who has determined who should receive and to what extent.
Taking the ability and the fun – because such affairs as Joan described were fun to plan and attend , from volunteerism has not helped as well. Volunteers must be recognized and applauded (everyone gets a trophy syndrome). It is all too commercial. I remember planning and decorating for the junior-senior prom when in high school. We (the juniors) sold spirit ribbons every week (ten cents for a ribbon that one did not want to be without) celebrating out sport team (football in the fall, basketball in the winter, and baseball in the spring) with a catchy phrase that told how or what said team would handle its opponents. We began planning the prom as soon as the year began – it was always held at a local “ball room”. We did everything – made the decorations (I can still recall the heady perfume of paste and newpaper strips as they melded together over chicken wire structures as well as the careful work required of silk screening murals so that colors would not run or the newly inked pieces were not smudged as they were quickly pinned on a clothesline to dry), printed the invitations, arranged the flowers on the tables, etc. And then, on that afternoon of the event, rushing to the beauty salon to get hair done (and nails for those who could afford it) before one's date, in the family sedan if his family was a small one or if a large one in the huge family station wagon, came with corsage in hand to the front door while one looked in the mirror one last time to make sure “the dress” , hair, make-up, etc. were all perfect before descending the stairs to leave for dinner and then the prom with a local band playing the current favorites. How different from the prom that I recently chaperoned this spring! While a committee of class members selected the theme – decorating was turned over to a business that specializes in prom/party affairs. The decorations were nice (very professional) but they lacked that intimacy and appeal, I thought, of those that students almost a half century ago made for themselves. It seemed that there was nothing special – there was no real connection that the attendees had to the affair – it could just have been some club that a group of classmates had decided to go to for the evening. My point is this – when decisions are made from afar and communities have no real connection to what is decided then much is lost and there is an “automaticness” that makes the recipients not so much grateful as expectant of what is due them and it makes the giver feel used rather than uplifted.
January 5th, 2011 on 6:14 am
What beautiful things she has. I’m in need of a checkbook cover at the moment and lover her Orange/Red Checkbook Cover. And her quilts are gorgeous!