Random Questions

10710

Also check if they denied it because the dose was different than what is on the formulary? Check on the formulary for your plan to see if it’s listed at all and what the doses are (and if possible, what Dx it is approved for, this can help in your appeal). Sometimes like you get prescribed like MED 60MG and only MED 30MG is on the formulary because insurance is a hellscape.

It’s possible because it is an antibiotic and you’re getting prescribed it for IBS rather than for bacterial infection, it got rejected due to concerns about creating super bugs (whatever the medical term for that is). It could be considered an off-label use, so your doc will need to justify it with lit on why it’s effective and not overprescribing antibiotics for a non bacterial infection.

5 Likes
10711

Are there any other drugs snd / or treatments that you have tried that didn’t work / are not effective enough? I would include other options that failed (diet change, imodium, tums, etc.)

2 Likes
10712

I can’t remember your state (CO?) but in some states, they are required to respond to an appeal within 72 hours.

1 Like
10713

Wow, so fast! Yes, CO.

And, thank you for all of this! I also wrote to the doctors office, so we’ll see what they say.

2 Likes
10714

If it’s a gastro, and not a PCP, they’re probably hella used to this and know what to do next.

I would also go hunting for it on the formulary for your insurance, you can probably find it on the webpage for your insurance company.

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10716

IRS gift limit for 2022 is 16k so each of your in-laws can give you 16k and then give Greyman the last 3k. Or whatever combo thereof. They could also gift the money in 2 years.

2 Likes
10718

A lump sum or in installmemts?

10719

I actually should probably just go to my bank and ask what they think.

1 Like
10720

Ideally lump sum because I think if they do installments they’ll spend all of what they got from the sale of their house before they finish paying me back.

2 Likes
10721

Certified cheque/bank draft, which you then deposit

Like $14 and then 50cents

1 Like
10722

Respectfully, whatever the fees are should be their cost not yours, and haven’t you spent an awful lot of time and energy already?

If they want to look into the most cost efficient way they can, otherwise, it’s their cost of doing business.

2 Likes
10723

Are banks still required to flag amounts >about $10K (post 9/11 rules re: terrorists moving money)? Your bank will know.

2 Likes
10724

I am not at all concerned about my bank knowing. I’m going to tell them what’s happening and why, and I have receipts.

I’ll just delete my question, as it seems there’s too much confusion around what I’m trying to do.

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10725

I think gdogg meant your bank will have answers for you.

3 Likes
10726

Fair. I’m just frazzled. Sigh

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10727

I was just thinking that a large transfer might get slowed down by anti-terrorist rules. Though some banks are so slow it doesn’t really matter. Sigh.

A certified check might process faster than a personal check (ignoring terror things).

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10728

I have shifted some very large sums between banks over the last few years. I suppose that there’s a record of it all someplace, but no terrorism inspector ever showed up and the bank never seemed bothered by it.

Except this one time I went in to get a very big check, and the teller seemed upset because they didn’t keep that much in cash, if would have to be ordered. She was so relieved when I assured her that I wanted a check, not quarters or even unmarked $20s. :slight_smile:

3 Likes
10729

Lowest transfer costs are still physical checks (which is why I still prefer to get paid) but otherwise wire transfers.

Don’t have to worry about gift limit because it’s paying back debt.

3 Likes
10730

Ok, yeah bank was like “either a check or just give the other bank your routing and account #, we don’t really care.”

4 Likes
10731

If they are reimbursing you or repaying a loan it isn’t a gift (@anomalily ?) I’m pretty sure.
Anyway, they are responsible for gift tax, not you.
Keep records of what they spent it on and are paying you back for, in case they need to do a Medicaid spend down within five years.

1 Like