​It was the first time I got my physical post Obamacare. I was still charged my $25 copay as I was checking out and leaving. Apparently its no longer free because it was an extended visit. We talked about other things (personal health issues, outside of the realm of the physical questionnaire) which made it no longer a “physical” appointment. I always was under the impression that the point of a physical was to discuss personal health issues. Thanks ACA, but no thanks. The incentive has now been diminished. 

I called our pediatrician because I had received a bill for $15 for my daughter’s last well visit which included a physical that was needed for school. It was my understanding that well-visits were without co-payment because of the ACA. Her pediatrician office said that some doctor’s offices are allowed by the ACA law to still take a smaller copay after a certain time or on specific days such as: after 5 during the week, weekend or holidays. I called insurance to find out what this was about because I was not happy with the pediatrician’s office practice of charging extra. The agent on the phone said they that the claim was submitted with a code they added for after hours. So apparently, the time of day that I work penalizes me for when I can take my kids to the doctor? Where is a law to help us with that?

I received a bill in the mail for $97 for ambulance services. The balance was associated for use of a pulse oximeter. I recalled that the one on-board couldn’t be used because they didn't have one available for a baby - yet it was on the bill. When calling insurance, they said it was coded as life support, so things get lumped into one code, whether they used it or not. personally, I do not like that I am paying for something I didn’t get and then be forced to pay higher premiums every year for wasted expenses like this AND be forced to pay this bill. Insurance companies get double the money.