Not Covered?
I had to take Giggles to the ER the other night. We had a long day of running errands and when we got home I decided to clean out the car. The kids were playing in the drive way and being good. Then Giggles climbed in the car and over to the driver seat. WC then decided that he was going to get in the driver seat with him. That was about the point I got mad and told them both to get out of the car and WC went out the door and shut it behind him. Well, its monkey see monkey do with Giggles. So, Giggles pulled on the door handle and pushed a little and then started to fall so he let go and the door closed. I got a few extra grey hairs at that point but the door was closed and figured he was just going to walk to the back and get out like he got in. Oh no he was going to be a big boy like WC and go out the door. This time though he knew he was going to have to push on it so he grabbed the handle and pushed it open and went head first out the door. I freaked watching it all happen and not being able to grab his feet and ran around to the car to get him. He was screaming, his head was all bruised already and he had road rash just above his eye. I grabbed the keys because I hadn’t even unlocked the door yet. I tried to call DP at work but Giggles was screaming so I just asked to send DP home and hung up. I then called DP’s cell and told WC to tell Papa that Giggles was hurt and to come home while I grabbed an ice pack and headed to the EMT neighbors house. Trying to calm down Giggles had finally stopped crying and I called DP back to tell him we were headed to the ER. Which one, I had no idea since I didn’t even know where the damn hospital was it was just going to be the closest one to the house that came up in the GPS. DP met us at the ER and I was telling them again for the umpteenth time that NO the car was not moving when he fell out of it. The keys weren’t even in the ignition. Then we got the biggest shock of Bull Shit ever. Tri Care wasn’t going to cover the visit to the ER that we were going to have to make a claim through our car insurance company. If they then denied the claim tri care at that point would pick up the bill. What are you kidding me? If we had been stationed with a military base I would have gone to the base ER and would never had an issue with the insurance. But no we are remote (Army term for no base at the duty station) so we don‘t have the luxury of going to a military base. I am sick of military families complaining about the base hospital and yes I was one of them. But let me tell you know that I don’t have one now and I miss it and see how great it really is to have. We had great doctors and I have great doctors now but they are an hour from the house. I choose to go to them because of how much I like them. I have to pay for my prescriptions now and over the counter meds that I used to just get from the base pharmacy I have to buy in a local store. It’s a lot of little things that we take for granted and my eyes have been opened to a whole new world. My kids are always playing and doing crazy things and people keep telling me that they are going to end up in the ER. Well you know they just might but we have tri care so we are covered I tell them. It’s true I think I let them be a little rougher and tougher than they should be because I know that if anything happens they are covered. I guess I might start rethinking that after this cause god only knows the next time it’s going to be oh no tri care won’t cover this because you were in the house you are going to have to call your home owners insurance policy. Ha probably not but why chance it right?
