Cash: don’t carry; you need your phone

rejected

moneyMy oldest college friend complained on Facebook. “It is almost impossible to use cash in the airport. You’re SUPPOSED to use a QR code to download a Health/Travelers form because there’s No Paper, but you need to sign up for an ACCOUNT to do it!!”

Yes, that was worth at least two exclamation points!!

There are a number of places where cash is no longer king. Getting food on an Amtrak train, for instance. A lot of retailers at markets seem greenback-averse. My running joke at a store register is “Do you still take cash?” Apparently, you CAN accept cash and checks with the service Square. Are businesses required by law to accept cash? It depends on where they are

What countries are going cashless? China’s society is, its central bank is pushing backSweden and Zimbabwe, for two, are also getting resistance.

Also, increasingly, I NEED to have a cellphone. When I’m making a medical appointment, I get notices on my phone. When I get there, some places require that I check in via the device. And the photo of my vaccine card is stored therein.

Not covered

Speaking of medical things, I had gone to my doctor in September to get two shots during my annual physical. In October, I received a bill for $125 for services not covered. My physician’s office seemed to think it was because I had received both the flu shot AND the tetanus shot at the same time. But that wasn’t it.

Medicare had rejected the tetanus shot, the representative told me. Now, they would have covered it if I had been bitten by an animal or stepped on a rusty nail, or had another medical necessity. But since I was ONLY getting it because physicians believe I should get one once a decade, Medicare didn’t cover it. And since Medicare rejected it, my Medicare supplement carrier ALSO rejected it.

I’ll have to remember to step on a rusty nail in the fall of 2031.

Why Health Care Costs So Much in America

A provider is dealing with an insurance company that is claiming my wife has additional coverage, something she did actually have, but cancelled three years ago.

A worker in a health care provider’s office told me this story. It explains a lot.

A medical provider rendered services to a patient in 2008, and subsequently submitted a claim to the insurance company, which paid it.
In 2010, the insurance company decided to not pay for the service because the patient had other insurance coverage.
The provider had to go prove to the insurance company that the patient had no other coverage.
The provider resubmitted the claim to the insurance company.
The insurance company rejected the claim because it was not submitted in a timely manner!
The provider noted to the insurance company that it had PAID the claim two years earlier, then rejected the claim in error.
The insurance company finally paid – again.

I know this story is true because another provider is dealing with an insurance company that is claiming my wife has additional coverage, something she did actually have, but cancelled three years ago.
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Take Out Some Insurance On Me, Baby (Uncensored) – The Beatles featuring Tony Sheridan.