So last year, it was decided that it was time. Unfortunately the insurance that we had would not cover any of the surgery...at all. So her surgery was delayed.
At the beginning of this year we found insurance that, allegedly, would cover one of the two procedures she might need. Well, when it came time to schedule the surgery, the insurance said they would not be covering anything. The also said we could appeal this decision after the procedure was done.
Since the insurance was not going to help, we took out a “health service loan” from a company the surgeon works with and they sent the approved amount to the surgeon. The surgery was scheduled and happened three weeks ago today (which is Wednesday, July 12).
The good news was that Jamie only needed one of the procedures; the bad news was it was the one that was not listed as covered by our new insurance.
This past Saturday we got a summation of benefits from the insurance company that looked like it was pretty good, but the language was one that neither Monica nor I actually speak, so we decided that Monica should call the surgeon’s office on Monday.
She did and, to make a long story short (too late!), Jamie’s surgery WAS COVERED by our insurance. In fact, we received a fairly sizable refund check from the surgeon’s office, since the medical loan had been paid to them. They said we could use it to start paying back the loan, or to cover the hospital, or for whatever we wanted.
By the way, we (and many others) had been praying throughout the process for the surgery to be successful and for our appeal to be approved by the insurance company. Jamie’s surgery was successful (both the surgeon and orthodontist couldn’t be more pleased) and, well, there is no need for the appeal.
We hear it so often that it sometimes doesn’t mean what it should to us, but God is GOOD all the time, and all the time God is GOOD. He has everything under control, even when from our perspective they seem to be spinning out of control.
Don’t ever doubt that!