Originally Posted by CX500T

And when I demanded an accounting from Delta, the HR lady said multiple times that I should be thankful that they are "protecting the plan" for all employees.

(The number DL claimed didn't match the statements from hospital and UMR. Not even close. They also tried to double dip, recouping my deductible and copay from before I hit the OOP max)

In easy math
$20k bill
$300 deductible paid by me.
$2750 to OOP max.
Delta tried to take the fill $20k not the $17k they actually paid out of pocket. Also with my CT scan they tried to recoup full list price, ($7600) not the amount UMR/Delta actually paid ($1500 or so)

Whole incident left me very sour towards USAA and the company.

I lost an entire year of doing anything fun. No mountain bikes. No motocross. No snowboarding. Was OK enough to work but anything beyond that or real sedate road biking and I was laid up for days. Had to hire movers because there was no way I was moving us. ($23k right there)

I've had 3 surgeries because of the accident (2 minor outpatient, one elbow reconstruction)

I'm going to need a hip replacement but my Orthopedic surgeon Emperor Palpatine is trying to hold off a few more years so I don't have to get it re done in my 70s.