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 Stop insurance from sending info about my doc. visits to my parents? |
| I am on a policy that my father holds. Is there any way i can prevent my insurance company (UHC) from sending info. about when I went to the doctor, how much the claim was, to my parents? I live at a ... |
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| I do want to discontinue making payment for a LIC premium. The policy is 3 years old. Kindly let me know is it possible? If possible, whether LIC is going to pay me the whole invested amount or it ... |
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| We own a garage and someone wrote a check for work we did on a vehicle. After they left our shop they stopped the check because they took the vehicle and traded it in the same day. Which had to be ... |
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 How soon I can use my employer supported health insurance? |
I am going to start a new job from the last week of June.
I am getting health care through my employer.
I am wondering, would I be able to use my health insurance from July 1st? If I have a ... |
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 Can you regularily add family members to an insurance plan who don't live with you? |
| I would like to get health insurance for my parents who cannot afford it, and am wondering if it is possible to just add them to my plan since they do not live with me (or even live in the same state ... |
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 Do you believe that husbands or wives with the necessary wherewithal are obligated to have life insurance? |
| I have life insurance on myself to protect my mate or child in case I die. It is often difficult to make the payment for life insurance and some friends have told me to drop the policy and not worry ... |
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does anybody know any good life insurance for seniors?
i need to try and help my parents some life ... |
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Any Independent Contractors out there that could give me an idea about how much it cost, because I have no idea.
Additional Details
oops: About how much does General liability insurance ... |
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| Which is the best Health Insurance Plan or scheme? |
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 If i was named the only beneficiary in my significant others life insurance would i have to split it with the? |
Additional Details
wife of only 1 month, he past away on his honey-moon,we talked befor the wedding and he said he was keeping me on the insurance and not putting her on any thing, I ... |
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 OK this ones kinda of a tuffy but really important Please don't ignore!? |
| I recently had a kidney transplant (a year ago) I was on my fathers insurance,medicare,and medicaid when i had the transplant the medicare people messed up and said it didnt cover the transplant so ... |
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 Life insurance? |
| What are the different types of life insurance policies avaliable and which is the best? My wife and I are in our mid 30's with a new child.... |
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 Is our Life Insurance enough? |
I am insured for 250K
My husband is insured for 750K
My children who are 7 months and 3 yrs old are both insured for only 50K (whole not term, will be paid off by the time they ... |
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clubdeli | Can an Insurance company take back paying for an illness after they have paid 10 months for all of your bills? |
An insurance company has paid for a pregnacy - All doctor visit and the delivery and now they are saying that my daughter is not covered - Can they do that? |
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Margarita D
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It sounds like maybe you did not add her to your policy within 30 days of her birth.
Even though they paid for the delivery, you still had to actually add her to your policy within 30 days in order for her to be covered. Read your policy. If this is in fact the case, they can do that!
If you obtained the policy through your employment, go to your HR Dept and immediately fill out the necessary documents to add her on. If you obtained a policy individually contact the agent or customer service to help you complete the paperwork necessary to add her. Unfortunately this will not resolve any bills that were due before but it will avoid future problems. Also the company might now medically underwrite which means that if your daughter was born with any medical problems they may elect not to cover her. Hopefully though this will not be a problem.
Hope this helps. Good Luck and congratulations on your new daughter! |
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sarah314
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Yes, they can absolutely do that, if it is determined that the claims shouldn't have been paid to begin with.
The insurance company can retroactively terminate the entire policy, if they discover the person lied on their application. (For example, didn't disclose a medical condition, etc.) That's why its so important to include everything on an insurance application - if you don't list something and they find out about it, your whole policy becomes null and void. Then they take back all the payments to medical providers, and you're stuck owing the entire bill.
Or, they can take back claims paid in error. For example, if your daughter purchased a maternity policy, but became pregnant before her waiting period was up.
If the entire policy was canceled, then your daughter should still get credit for any premiums she paid, and only be responsible for the difference between the medical bills and the premiums.
If the policy is still in force but they just paid the claim in error, then she doesn't get any premiums back. (Because the policy itself still exists.)
You didn't specify exactly why the payments were taken back for your daughter's pregnancy, but 9 times out of 10 its going to be one of the reasons I listed above.
(I saw a woman have her policy retroactively terminated for a pregnancy once, and she ended up being responsible for about $500,000 in medical bills. She had premature twins, and since the policy was canceled, none of their NICU bills were covered either. But, it was the lady's own fault...she failed to disclose on her insurance application that she was taking fertility drugs, which would have made her ineligible for the policy to begin with. By lying on her application, she backed herself into a corner.) |
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editor@bcdisabilities.com
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Maybe. And there is no truth whatsoever to the rumor that possession is nine-tenths of the law. If you're not entitled to the payments, you'll have to disgorge, probably with interest from the time of the first wrongful payment. Take it up with an atty if the amt is beyond Small Claims. |
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jennie
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Companies are allowed to "recind" coverage (depending on state laws etc..), If it's been determined that the individual answered medical
questions in error. So, if the person was pregnant @ the time of taking out the policy & didn't inform the ins co., then ins can & must return all premium paid & state that the coverage never existed. They need medical records supporting that condition existed.
Do the math..how much premium have you paid since taking out the coverage? If it's more than what they would pay in claims, fine, take the premium back. If the claim amount is much more, get all your med records & find out exactly when/where it states that pregnancy occured b-4 policy issue.
Either way, just keep calling the company for more info & good luck. You'll just need proof that application did nt have errors & if that's the case, get the state Ins dept involved. |
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src50
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Yes - if its true. You don't provide the specifics. Review the policy conditions carefully about covered parties. Have premiums for her been paid all along? |
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mbrcatz
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Yes, they can. Especially if your daughter, for example, was not a dependent on your tax return. Or, she was married - which automatically makes her not a dependent.
Just because it took them a while to figure out the deception, doesn't make them "on the hook" for it. |
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GARY E
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Like in your situation,I would like to advise you have a look here http://www.InsuranceFreeTip.info/insurance-for-free.htm |
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loves christmas lights
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Insurance companies are so backed up, function so inefficiently, that the inital person who put through the claims, and now someone has audited and found mistakes, and determiined either that,
a she was not covered due to a fruadulant claim, as in, age and not a student or
bad coding on initial billings, and it was now just discovered and they all need recoding and submissions
or
this entire thing is a clerical or computer error
Depending on your states laws terms and conditions of your insurance policy, you need more info.
My daughter works in insurance billing for a huge company and she said it is amazing how it all works.
I had a muscle pull in my neck. There were only 2 codings possible for my condition, neither would be covered by insurance. I had to do a month of therapy, that was covered since there were more coding options. I had to attempt to get ahold of the Dr which was impossible and I now have a ding on my credit for this problem.
So I would contact and get the real info on this case, and then speak to the insurance biller of the Dr/Hospitals used, and get any assistance they can offer. They may simply have to resubmit. I would act right away on it, even if you have to make appts and go into each place and discuss it with each indiviual who was paid. Its probably an oversight on their part. Good luck on this, it will be frustrating but hey, time or money which do you value more! |
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