How best to track medical expenses and medical records?
June 24, 2014 8:18 AM Subscribe
Can you give some advice on how to document/archive medical expenses and medical records? My wife and I are particularly meticulous filers, but I don't think we've found our best practices for the medical stuff. Details inside.
posted by Admiral Haddock to Grab Bag (5 answers total) 11 users marked this as a favorite
We've got good systems for things like account statements and taxes, etc., but the medical stuff is throwing me a loop. We need both a system to track both records and open billing items.
Generally, everything is scanned and filed on the computer. We don't keep paper long term, other than documentation we'd need originals for.
We have your usual medical and dental plans, though our medical plan is a high deductible plan with an HSA (we also have an FSA). We are trying to leave the money in the HSA so that it can grow, so we need a system that allows us to keep track of our past medical expenses for reimbursement in future years (5, 10, 25 years later, whatever); the FSA, which just covers vision and dental, we draw from as soon as we spend the money.
Meanwhile, the insurance company will send us EOBs that relate to claims for services that we need to keep track of (and often, double check). E.g., an EOB will arrive with an unfamiliar service provider, and we have to confirm it was the nurse who saw me for a clinic visit, or the EOB will say the provider can bill us $211.41, but we received a bill only for $123.21 (or no bill at all) and we want to stay on top of what we could be charged. We use a shared Googledoc for this now, but it's hard to keep current.
As for medical records, rather than billing records, we have your typical lab results, prescriptions, etc.
Do you have recommendations about how best to organize these materials? For instance, I can't tell if it makes more sense to file all of the billing records by year, or by which of us was the patient. For medical records, do I file by year or by complaint? Or broken down by complaint by year?
Not having a great system in place has meant that these records are scattered in a few places, and the Googledoc is out of date, and I'd like to fix that.