 Health Insurance company for a graduate student? What one is best as far as price and coverage?? |
| Anyone have any suggestions for a good health insurance company for a graduate student? The coverage from the school is one thousand a semester and that’s way to much.... |
|
 Could a 17 year old new driver get insurance for a 1.8-2.0 litre? |
Hi...
If i was to get a car lets say a 1.8 to a 2.0 litre could i put this car on one of my parents policies and be able to get affordable insurance... My parents have many years no ... |
|
 Do we all go back to the farm now? |
We left the farm to go to work in the factories. Now that the factories are gone, are we supposed to go back to the farm?
Additional Details
graduates out of college like popcorn, ... |
|
 Can i get vacation pay if i abandon my job after over one year working for the company? please help? |
| i live in nyc and i came back from vacation my employers whom i told them in writing that i will be away on vacation never responded. now they are refusing my vacation pay leave alone that i have to ... |
|
 Where can i get some health insurance @ a reasonable price? |
| I'm need health insurance my income is very low.. where can i get health insurance at a reasonable price?... |
|
 Can an illegal immigrant purchase legal life insurance in the USA? |
If you don't know or can't use propper grammar, don't answer. I don't like sorting through peoples poorly written opinions. Thanks.
Additional Details
Thanks for the ... |
|
 Life Insurance? |
| How much life insurance should I have on myself? Im single with no dependents and own my own home and Im 28.... |
|
 Whats the best life insurance? |
| I am a 35 year old smoker ,i rent a property and looking for some info on wots the best life insurance for me that will obviously pay for funeral costs,outstanding debts and make life comfy for my ... |
|
 Health Insurance? |
| My father passed away last week. My mother and sister(under 18) lost their health care coverage the day he died. Where do they go from here? Mom is 60 and has never worked???... |
|
 Life insurance question??? |
| Will my mother have to pay taxes on my dad's life insurance policy when he dies?... |
|
 Can insurance company penalize you for cancelling your policy before it's terminated? |
| I got a better rate elsewhere, and switched. Called my current insurance to cancel and they slapped me with a hefty bill saying that some states make the customer pay a 41% or some such number "... |
|
| Difference between term life insurance and permanent policies? |
| My insurance company is offering a term conversion credit if I switch to permanent insurance. What's in it for them, and what is permanent insurance? Whole life? Any benefits for me to change?... |
|
 How can I get insurance for my kids? |
Does anyone know of any affordable insurances out there?
We are a family of 4 and my two kids dont qulifiy for Chips, or medicaid. Is there any advice anyone can give? My kids are little. 1 and 7... |
|
 I'm pregnant and lost my job and medical insurance, what can I do? |
| I have been put on bed rest and can no longer work. My job didn't offer extended medical insurance, so I lost that too. I'm only half way through my pregnancy and have lots of medical ... |
|
 Will bad credit stop me from getting an insurance liscense? |
| Im located in california, i was just curious if this was a part of the background process.... |
|
 If you have a accident on the premises,the floor is wet & you slip.? |
What is the best cause of action ?
How do you go about making a claim,through a solicitor?... |
|
 Is homeowners insurance in case of death really worth the monthly premiums for this? |
| If I die before my home is paid off, my life insurance & other moneys will pay off my mortgage, so why pay more? Also, they do have this insurance in case I lose my job where I don't ahve ... |
|
|  |
trevino_2 | Can i be billed for physical therapy visits from 5 years ago that were never billed to my insurance? |
to begin with i was a minor at the time and they are sending me to collections for visits my insurance was never billed for in 2002. I guess the physical therapy place never mailed the bill to my insurance and now my insurance says it is not their problem they were never billed before and refuse to pay. Am i obligated to pay for the therapist mistake of not billing my insurance?
Additional Details
it wasn't that my insurance didn't pay for the bill, but they never received it and even told me that i am not liable for a bill they never received, but i can't get the collection agency off my back about it. I think i'm going to have to hire a lawyer for this one. |
 |
 
dougall18
|
*second answer*
Since you were covered for the other visits, it sounds like it is a billing error. The billers are human. They can over look claims if there are consecutive days. I would contact your insurance tomorrow and see what their timely filing limit is. Most reps are more than happy to call a provider especially when they know that this is a viable case. They are hounded by the providers for payment and this may be some release for them to prove to them although they work for a doctor that does not make them as smart. So make the call. Find the T/F limit and go from there. If the rep is not willing to work with you as some of the other people stated ask for a sup. They may give you the run around but be polite, courteous and just say that you would like the reassurance from someone higher up. No offense to the rep even if the issue is documented. Make it clear that this is a large bill and quite old. Good luck and you mail email me directly if I can be of further assistance.
*original answer*
Here's the thing. If the provider was contracted with your insurance company then they should have a timely filing deadline. Be it 90, 180, or 365 days. If they were contracted then that is the legal binding you are looking for. You will have to do some research on this. First I would contact the insurance company to find out their timely filing deadline and to see if that provider was contracted on the date of service, if you had coverage for that type of service. Depending on the answers there, depends on what you do next. If they were contracted with your insurance then you can call them and let them know what you know and say they can not bill you. Also most insurance companies require an authorization for PT. You may have been required to get a referral as well. Do you have any more information that you are able to share? |
|
Altstadtweib
 |
I would think that 5 years have passed and they had their chance of payment from your parents/guardians back then. I would consult a lawyer. |
|
?
|
yes, if your insurance did not cover it. Personally, I woul dnot pay it myself, I would send the bill onto the insurance company or I would contest it with the physical therapist. |
|
Shari
|
It will depend upon who your insurance was through. I think that you have a VERY GOOD CASE to argue the bill. I've worked with Blue Cross Blue Shield for years, and if the provider was participating with them - they have a 3 year time limit for submitting claims.
If the claim is submitted outside of that time frame, BCBS denies it and the provider is simply stuck with it and they CAN'T BILL the patient. I would contact your former insurance company and find out if they have any "time frame" limits like that.
You might also contact your State's Insurance Dept and see if you can pursue filing a complaint against the provider. If the collection action is effecting your credit report - be CERTAIN to write a letter in your own defense explaining from your perspective how this whole mess occurred - and don't back down from them.
I think you have every right to argue with them!!!!!!!!!!!!!!! |
|
Blunt Honesty
|
I would ask the therapist for proof that they filed with the insurance company before I gave them a penny. If they did, and your insurance didn't cover the treatment, then you do have to pay for it. |
|
colera667
|
contact your clinics business office and they will guide you on the paper work you will need to fill out to fix this. if they do not then request a copy of your medical records and take them to an attorney. if that does not get them off their butt's to take care of your bill then i dont know what will. |
|
Nette
 |
Is this the first bill you recieved? I mean were they billing all along and never received payment or they just decided to bill you years later? Each insurance company has timely filing guidelines that the physician has to follow if they sign a contract with the insurance company. This can range from 90 days to 15 months. Also, each state has a statue of limitations - meaning if they have bill you within the statue set by your state. Also with you being a Minor you did not sign any type of agreement with the physicians office or the insurance company. It may be best to get a lawyer to get this off your credit report. |
|
Custo
 |
Because the account is in collections, you're going to have a hard time getting someone to work with you.... I'd start with calling the actual office of the physical therapist. Tell them you need help... If they try to refer you to collections, ask to speak with a biller, or an office manager. Let them know you understand they've already sent the account to collections, but the collections people won't bill your insurance company...Explain your insurance company never got a claim, and that they can't pay a bill they don't have... If they don't stop the account, call your insurance company, and ask for help... If the person you speak to does not take the initiative to call the PT or the collection agency, ask to speak with someone else, preferably a supervisor... The people who work for the PT and your insurance company can help you.
Did the therapist say why they didn't bill the claim? Are they accusing you of not providing insurance info?
They shouldn't be trying to collect a debt from you; but to fix it, the PT office will have to pull your account out of collections... And, the insurance will probably need to provide something in writing stating they never received the claim... This is between your insurance and the provider... not you... Good luck! |
|
mbrcatz
|
The short answer - yes.
Insurance companies will only pay bills submitted within one year of the date of service.
It was up to your parents, since you were a minor at the time, to pay the bill, or be sure the insurance company paid the bill. They slacked off.
However, PROBABLY they guaranteed the payment for service - so I'm thinking maybe you can sic that collection agent on your folks instead.
But the money IS due. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 18 minutes(s) ago
| | | |
9 | 45 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 6 day(s) ago
| | | |
7 | 2 week(s) ago
| | | |
9 | 1 month(s) ago
| | | |
9 | 2 month(s) ago
| | | |
8 | 3 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
