 Health insurance? |
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 Life insurance? |
| I have term life insurance with state farm one day while talking to a state farm agent the requested an insurance called universal life insurance and they would send me some info they never did even ... |
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 Low cost healthcare? |
| I lost my insurance about a year and a half ago and have not been able to obtain more since. I currently trying to get work but will have to work as a contractor for a while. The only insurance ... |
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 Insurance ripoff? |
| Can anyone advise please once offered a ridiculous sum off my insurance due to stolen vehicle what I should do next to appeal? is this common practice for an insurance company to offer such a ... |
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I was just told this morning that my insurance (and job) will end in 4 days. It is because of the economy. I am the last of hundreds...
I cannot get Cobra coverage that fast. They can'... |
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 My wife is 27 weeks pregnant and I don't have health insurance, how can I get one? NO GOVERNMENT PLANS? |
| I don't qualify for any government plan like medicaid or similar, I need private insurance and I am self employed so I have no group or company insurance, any suggestions??????... |
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 What are the things need to do while starting an insurance policy? |
| I am going to start an insurance policy in Newyork life insurance policy. I am taking policy through one of my friends. I just want to know what are the things I need to ask them for clarification ... |
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 I am planning to invest 2000 pm in life ins. can any body tell me how much can i get in 10 years? |
I am planning to invest 2000 pm in life insurance. can any body tell me what is the sum assured after 10 years. is there any policy for 10 years. can i close the account in between.
... |
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 Can I be added to my boyfriends health insurance? |
| Me and my boyfriend are in a commited relationship, and have a daughter on the way. I am still on my parents insurance, but that will expire at the end of the year. Our plans our for me to stay at ... |
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 Insurance denial? |
Can your employer/company refuse to insure your significant other because you are not married ?
My nephew started a new job and put his girlfriend on his insurance.The company just found out ... |
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 Is there anyway to get around exclusions in your insurance policy? |
| I have United Healthcare and my particular policy excludes any surgery for obesity. I was hoping to have the bypass done, but since it is excluded.... I would have to pay for it out of pocket, and I ... |
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 With regards to car insurance, what does having a deductable mean? |
| For example, if I have a $500 deductable, what exactly does that mean when claiming from insurance?... |
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 Do rich people need insurance? |
| I was just wondering..if they have so much money....do they really need insurance?... |
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| My car is a w/off due to fallen tree, t p insurer advised damaged not covered as act of god, dam to hse is ok? |
| it was gale force winds today, i had parked outside my mother's house, the tree from over the road blew accross the road onto my car also damaging two houses. my mother's included. The ... |
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 Does New York Life Insurance make its agents bug all your friends/family for life insurance? |
| I have interviewed with New York Life, I really like the partner with whom I would be working for but he never gives me a straight answer on how we get leads, or where our clients come from. He gave ... |
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Mickey | Can a health insurance company deny a claim when they initially said they would pay it?? |
I went to the dentist because I dislocated my jaw. The dentist had to fit me for a splint to set it but only after the office's billing person came in and explained that she had spoken with my insurance and was told that they would pay 80% and I'd be responsible for 20% of the splint. I had to sign a paper acknowledging my 20% due and then they would do the splint. I got my splint, paid my 20%, and got to healing. I got a bill today from the dentist saying I'm responsible for the remaining 80% because my insurance denied the claim. I know that speaking to someone at the insurance company "does not guarantee payment", as I hear every time I call, but who should I take this up with? The insurance compant who first said they would pay it but are now refusing or the doctor who talked with them initially but now wants more money? The remaining 80% is over $500 and I simply can't afford it. |
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MSAD
|
Call the insurance company and find out why it was denied. Often these things get denied b/c the dr coded the bill one way -- had they used a different code it would have been covered.
It could be something as simple as they thought it was a cosmetic procedure and not because of an injury.
So before you go getting all worked up--- call your health insurance company and speak to them. |
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sarah314
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You need to call your insurance company and find out exactly why the claim wasn't paid. What did your explanation of benefits (EOB) from the insurer say? If they truly rejected the claim, then they would have notified you directly. (I find it odd that you got a bill from the dentist before you received the Explanation of Benefits from your insurer...perhaps they didn't even receive the claim.)
It could very well be a coding issue - medical claims are billed using CPT codes, and not all dentists offices use CPT codes to bill. If that's the case, then it should be a fixable problem. Someone just has to manually work with the claims to get them through the system.
Or, if there is another specific reason why it isn't being paid, that can help you determine what to do from there also. |
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Lori S
 |
Why did they deny the claim? If you disagree with the reason, appeal it. You should have also gotten a copy of the denial. On it is the appeal process or check your policy for the process. Get the dentist to write a letter explaining his position. |
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kbmoose1
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You contact the State Insurance Commission.
My wife had a mammogram which was 'suspicious', and the Doctor requested an MRI. Blue Cross Blue Shield verbally approved the MRI, and later rejected the claim.
We protested to the State Insurance Commission, and BCBS changed their mind (before the ruling came back). They paid. |
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DC
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first u try to talk with the company and if they will refuse then straight away go to State Commision Insurance, they can help u. |
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mbrcatz
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Yes, they can.
But that's not the issue here.
You call your insurance company, and tell them you need to appeal this claim. See, some non-thinking person saw the paper, saw it was from a dentist, saw that you have no dental coverage, and rubber stamped it declined, without ascertaining if it was really a dental claim or a medical claim. It's up to YOU, to make your insurance company take a closer look at it, to pay this.
This is very, very common and happens all the time. Hey, it's happened to ME, that a dentist claim was denied by my health insurer (it took two appeals, but was eventually covered). You just have to appeal the denial. |
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Custo
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Well, before anyone can help... we need to know why they denied it. Are they saying its a not covered? & If so, why? Is it dental insurance? or medical? You need more info from the insurance company... They can help. If you don't get help from them, try speaking with HR (if your insurance is through a job) or your broker if its private/individual insurance. |
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babobu1993
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Call a friend who might be a lawyer or call your own lawyer.
Option 1: Argue, argue, and argue for that 80percent. Many insurance companies are theives living off people's trusts. Argue for your money, make a claim and argue argue and argue. Also you can threaten them with lawsuits or changing companies
(((((((((((((((((((NOT the first choice to take)))))))))))))))))))
Option 2: Research. Go to your insurance website, and read their policy. Study the insurance policy and see why they might not be paying the 80%
Option 3: Call lawyer, and discuss it over the phone.
p-------------------------------------...
Option 2: Hardest to do, and takes time
Option 3: Easiest to do but costs money.
The problem is that insurance companies are very corrupt. I would file a lawsuit. they usually expect you to go in circles and give up. 500 dollars isnt a big amount of money but filing a lawsuit with a lawyer who understands your problem and will work with you for your benefit is the best way to stick it to these bastards. |
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