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I owed $17,000 for a surgery I was told would be fully covered



A miracle from God:

I was just getting ready for a camping trip with friends, and I got a phone call from my health insurance company. It was then that I found out the devastating news: I was going to owe over $17,000 for a surgery that I was told would be fully covered.


My heart was pounding, and my mind and body were filled with anxious thoughts and emotions. I was trembling with fear, worry, and shame that I had brought such a burden on my family. Covid had already put us through a financial roller coaster and just when things were starting to look up, i got slammed with this news.


My family and I prayed together over the situation and somehow my husband had peace over the whole thing. I couldn’t understand how he wasn’t freaking out. I could not think straight or focus on trying to get ready for camping nor could I sleep that night. I was pleading and praying to God for help.


A couple minutes later the same man knocked on my window. I rolled my window down again and he handed me a wad of cash - $400!!!

When I woke up I tried to pack, but my mind was so cluttered I had forgotten most of what needed to get done. My husband lovingly offered to drive over to the grocery store to pick up some things we would need for our trip. My son and I sat in the parking lot as he went in. After a few minutes, I heard my son giving a big hello through the window, waving at a man that had come from the store and parked next to us. I smiled at the man.


He knocked on my passenger window, and I rolled my window down. He said, “Are you okay?” My face must have given off the situation. I thought he would offer to pray with me, so I shared with him that my insurance company had billed me $17k for a surgery that I thought was covered. “Can you imagine owing $17,000?”

“No, I can’t. - I pray it all gets covered somehow.” he said.

I agreed with him, he got in his car, and drove away.


A couple minutes later the same man knocked on my window. I rolled my window down again and he handed me a wad of cash - $400!!!


“I hope this gives you a better start.” he said.


It wasn’t about the money. It was then that I knew, in tht moment, that God was going to take care of me.

I was so overcome with emotion and gratitude that I couldn’t keep the tears from falling. It wasn’t about the money. It was then that I knew, in tht moment, that God was going to take care of me. He sees me, he knows my pain, fear, and anxieties. He’s going to walk with me through this no matter what happens. I had a peace I did not have before. I knew God had my family and I in his care, and I trusted Him.

As I continued keeping in touch with the insurance company, the bills rose to over $26,000! I kept praying to God and trusting in Him. My husband still had supernatural peace and told me not to worry. We prayed together, and he never once made me feel guilty or that this burden was all on me. It was such a beautiful example of the grace God has given to us over and over again.


One morning I woke up, and it was as if the Holy Spirit had renewed my strength. I made many phone calls and continued working on finding out whether the bills had been coded properly. I had so many conversations, and it was as if nothing was changing. But God gave me peace anyway.


...it continued falling over the following weeks...Then, it dropped down to $4,000. It was truly a miracle!!

Miraculously, one day the bills came down thousands of dollars, and it continued falling over the following weeks. I was thanking God profusely for such an amazing miracle! The $17,000 I originally thought I would owe was completely covered! Then, it dropped down to $4,000. It was truly a miracle!!


There are still bills pending, and I am patiently and peacefully waiting. I know that even though this was such an anxiety filled experience that so much more good came out of it. God used this situation to teach me forgiveness in a relationship of mine. He taught me to have joy in the trials, peace beyond understanding, and hope that no matter what, His Holy Spirit is going to be with me. I was so grateful beyond comprehension. A HUGE weight and burden was lifted, and my faith had been strengthened through it all.



"Sometimes our disappointments are divine appointments

because God’s love has been poured out in our hearts

through the Holy Spirit who He has given us."

- Derwin L Gray


Frances Annis

Lancaster, PA

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