Fool me once, shame on you. Fool me twice, shame on me.
Everyone makes mistakes. Nobody’s perfect. But the people who will come out ahead are the ones that learn from their mistakes and take that knowledge and use it the next time. Here’s my unfortunate story of how I was duped by my insurance company and how I can learn from the experience.
I was able to get vision insurance through work this year, so once January 1st rolled around, I looked at the insurance information and picked an eye doctor. In fact, I chose one of the first ones on the list of participating practices because it happened to be very close to my apartment.
I knew that my eye exam would be covered, so I went in, got the eye exam plus a few extras and expected to pay about $30. They took my insurance card, and the total bill came out to $90. I figured it was just a mistake and that my insurance information hadn’t been entered, so I asked and they said that the insurance did take off $30. So I had to pay, disappointed.
As soon as I got home, I called the insurance company to ask what was going on. Wasn’t I entitled to a free eye exam?
Well, sort of. I had to use someone in their very specific network. Nowhere on their information packet does it say that. In fact, under ‘In-Network Participants,’ the practice I chose was on the list, so I naturally assumed that I would be covered by going to an in-network provider. Nope, I was wrong, and suddenly I was out $60.
I would have loved to get that $60 back, but I knew it wasn’t going to happen. I argued but their policy is their policy, and Davis Vision is just a little shady in my book. And the people at Hour Eyes are pretty dumb too, but that’s ok.
Learning A Lesson
I lost $60 and that’s something I’ll have to live with. That money is not coming back. But I did learn a lesson. I should verify with my insurance company what providers will be fully covered and which will look covered but aren’t really. I should also check how much the service will cost beforehand even if I think I’ll be fully covered. By taking all of my small lessons of how I lost a few dollars here or there, I can prevent them from happening in the future. While they happen every day to lots of people, I won’t be giving away money because I learned my lessons many years earlier.
When we’re young, we’re going to make mistakes, and hopefully the damage is minimal. What’s important is that we need to learn from those mistakes and be sure not to duplicate them.
Readers, what lessons have you learned and vowed not to repeat?