 My bike was just stolen on Monday....? |
Five months old, totaly tricked out, and she is gone. Im so upset... Fortunately, Im covered for theft...
However, I didnt keep receipts for all the parts Ive put on her, although I did ... |
|
 How do I find a good life insurance agent? |
| I am expecting my first child by the end of the year. I want to purchase life insurance, but I would like to go through an independent agent/broker as they work with multiple companies and can get ... |
|
 Ryan Air have debited my account 2X for one insurance policy.? |
I emailed them. They TOLD me WITHOUT ANY SYMPATHY to speak to their insurance company. I did and they told me to speak to, yes you guessed it, RYAN AIR.
So I emailed R.Air again and they didn... |
|
 Can I get insurance on dwelling only? |
| Does anyone know of an insurerer that doesn't require a "package" (ie: contents)?... |
|
 Forging a doctors note. switching insurance, wondering if i can make one up and fool my boss? |
| I have a lot of sick time and soon i will be uninsured because i'm going to switch with a new insurance co. so for 6 month i wont be able to go to the dotors. and right now i have a lot of sick ... |
|
 I had a fire in my flat at the beginning of the year and the loss adjusters want to investigate it now. Why? |
| Someone needs to put my mind at rest. January this year I had a fire causing quite a lot of damage. I’d had the storage heaters serviced by an electrician. However, as they had not been turned ... |
|
 Will i still have to pay this insurance bill? |
| I just got a bill for car insurance and it sky rocketed. My Insurance agent says that it's because of other people wrecking and stuff like that. I'm thinking about not paying and just ... |
|
 Insurance another word for scam? |
My understanding of the purpose of insurance is to help out in the event of unexpected expenses to prevent financial disaster..
If this were true why are laws in place that protect the ... |
|
 Question on dividends and whole life insurance. |
| How do dividends work with whole life insurance. From my understanding, you can use your dividends to pay your premiums and after a while your dividends cover your premium costs all together. Does ... |
|
 What's the easiest to sell in insurance? |
I was told that life insurance was a bit harder to sell than others? Is this true or just an opinion? What license do you have to have to sell auto insurance?
Additional Details
No one ... |
|
 Does home insurance cover termite damage? |
| Hi, I found a couple of termites in my house and can I just let them destroy the house so that I could claim the insurance or is that not allowed?... |
|
 Does insurance pay for flights home after surgery? |
| My dad is getting back surgery and he is getting it in Chicago and we live in Detroit...Will insurance pay for a flight home for my dad?... |
|
 Who will cover lap-band surgery? |
| Just wanted to know if anyone knows of any insurance companies that will cover lap-band surgery.... |
|
 I have a sticky situation on my hands and need some insurance and need some advice...? |
Kinda a long story so bare with me...
About a month ago I had a couple of friends over (we were all about 19) and we were drinking. I went to bed and my so-called-friend was completely ... |
|
|  |
Johnny | Debt collector for medical insurance Eye exam? |
15 months ago, I went to get an eye exam at my health clinic (I have been with them for 15+ years). A couple weeks later, I received a bill for almost $300 for a simple eye exam! The 2 eye-drops ALONE were $44 ($22 for 1 drop!) Insurance covered about $50. I still have not paid it, because it is absolutely outrageous. I called around to 5 eye exam places, and the lowest was $54, and the highest was $85.30. Now they have turned it over to a debt collector, who called me today. What can/should I do? It is not because I am too poor to pay. Will they accept $85.30, and that is that? (again, charging almost $300 for the exact same thing that $54 gets you.) Are there any things I should say/not say? I plan on (legally) recording all phone calls with the collector, and demanding written confirmation for any 'over-the-phone agreement.' Any other tips? Lousy answers get thumbs-down (such as 'pay your bills!)
Additional Details
Also, they never informed me what the charges would be prior to me receiving the bill in the mail, and they had no prices posted. |
 |
 
Sandy
 |
If you saw an ophthalmologist the rate is not outrageous...but if you saw an optometrist the $50.00 range is average. Why did you wait so long to complain? You could contact your state's insurance commissioner for the lawful rates in your area... should have asked more questions up front...lesson learned... |
|
mbrcatz
 |
I've never seen a medical provider 'post charges'.
And it's a bit late now to try to settle the bill. It's likely that the provider SOLD the debt to the collector, so now you'd have to negotiate with the collector. If they take you to court, they WILL win - you are ALWAYS responsible to pay for services you received. So when the insurance pays $50 on a $300 bill (looks like they aren't in network any more), it's up to YOU to immediately track down what's wrong.
So, they're going to look at how easy it will be to collect, when they get a judgement. If you have assets, and a job where wages can be attached, they're not very likely to negotiate.
It doesn't matter what you say - you owe this debt. You can ASK the collector what they'll settle for, but they don't have to agree! Get any settlement agreements in writing BEFORE you send in the $$. And next time you go to ANY provider, call your insurance company to verify that they are in network. These things change faster than some people change their underwear. |
|
colleeam
|
I recommend talking to a credit counselor to see what the damages might be if you don't pay the bill, and talking to a lawyer about your options. Search the web for free offerings of both of these services (advice sent via email). In your search for and experience with these services, note the 'vocabulary' these professionals use, and emulate this vocabulary in your conversations with the collector. This may help you establish credibility as someone who is not trying to get out of a bill but rather is challenging an unfair charge. Also, I know this answer is probably not what you are hoping for...If this gets really stressful for you and begins to affect your functioning, you may want to consider paying the bill and moving on. I'm sorry this happened to you. It's unfair. Maybe you can look back on it someday and see it as an opportunity to begin a 15+ year relationship with a more patient-friendly health clinic. |
|
B J B
|
First contact the clinic and ask for an explaination of the charges. Ask them if they will consider reducing any of the charges based on your financial position.
Unfortunately, the clinic has probably sold their receivables to the collection agency due to the age of your bill. If you make a small payment ($10) you should be able to get the collection agency off your back while you negotiate with the clinic. |
|
hightechchic
|
Vision coverage is often separate from health coverage.
Depending on what type of eye exam you had, it could make a big difference in whether or not your insurance pays and how much, if they do.
First, having prices posted is a pipe dream. It doesn't happen -- because they charge different clients different prices. Yes, you read that correctly. It's entirely likely that they billed it to you at those rates based on the fact that you had insurance. Those may be the insurance-company negotiated rates (as insane as that sounds.) Or it may be that they are not included in your insurance company's network.
Or it could be that it's being considered "vision" instead of "health" and insurance companies typically only cover 10% for vision.
Honestly, you're going to have to do some investigating to get to the bottom of it. If you can't be bothered to do so (as you obviously didn't BEFORE you had this done), then just pay the bill and consider it a lesson learned. No amount of belly-aching is likely to change the situation and you'll only end up screwing up your credit rating. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 28 minutes(s) ago
| | | |
5 | 52 minutes(s) ago
| | | |
6 | 3 hour(s) ago
| | | |
5 | 4 hour(s) ago
| | | |
6 | 7 hour(s) ago
| | | |
6 | 1 day(s) ago
| | | |
6 | 2 day(s) ago
| | | |
6 | 1 week(s) ago
| | | |
6 | 2 month(s) ago
| | | |
6 | 5 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
