Gotta love med insurance companies stupidity. A few years back I broke my big toe messing around on my mountain bike. No big deal. Came home, taped it up and limped for a few days until the swelling went away. No issues however about 2 weeks ago I felt this bump near the ball of my foot by the big toe. I ignored it but then it started to swell and hurt. I went to the hospital and they did an X-ray and it appears a small bone chip has been floating around and has made its way to the surface. I say "OK, Just give me a local and lop the area open and remove it, add a few stitches and we can call it a day". They called my insurance company and they will not pay for the quick and easy way. The only way they will pay is if I have an official surgery. WTF. Now I have to go to CM for an "Official" Surgery where they have to admit me, I have to get all dressed in the hospital gown and stay 1 night.
. If I do it the way I suggested, the surgery is about 6k to 8K baht but I have to pay out of pocket and I said "OK"..Wife said "No Why pay it when we have insurance". The way the insurance company requires I do it will cost 28k to 32k baht but they pay in full. Medical insurance systems are so stupid. This could be done in 30 minutes as an outpatient deal.