Tuesday, October 02, 2007

Ooops! Fine print!

I don't know about you but sometimes I don't pay much attention to the fine print. I know I'm suppose to read every word carefully before signing anything and all of that. Well, I have just experienced the consquences of not reading the fine print.

As you know I broke my leg in February. I had one surgery in Poland in February and then another one in Switzerland in June. Of course after my 2nd surgery I started private physical therapy in Poland. The therapist is great I really made some progress but due to the fact that I didn't have much effective therapy before the 2nd surgery I have a lot of scar tissue that is not breaking down.

So what about the fine print? Well I just recieved my insurance's response to my last claim of physical therapy. According to the fine print of my policy they will only cover 20 physical therapy visits per year. I have already had 30 visits. That means that they will not refund the $327 for the last 10 visits. That is one thing but my foot is still not doint well and the doctor feels that I need to have authorscopic surgery to brake down the scar tissue....followed by intensive physical therapy. Yikes!!!! 10 visits of physical therapy is equivalent to what I pay for all my utility bills.

Lord Jesus I need a miracle!

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