 Have you ever? |
| droped a baby, "By accident?"... |
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 What is the deal with health insurance? |
| Does it matter to the price of health insurance if you are a male or female? Just one difference is females can get pregnant males cant so should male health insurance be cheaper? Males can get ... |
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 MY husband doesn't want to get life insurance.? |
| My husband doesn't want to get life insurance because he feels that he shouldn't secure our future. we have two kids. he even refused when i offered to pay. what can i do in a situation ... |
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 Will my husband get my life insurance? |
| If I am still legally married but seperated for the last 8 years can I make my boyfreind benificery on my life insurance without giving my husband any? I live in T... |
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 How much would a million dollar insurance policy cost for one day? |
| I wanted to have my wedding outside on the campus of my university but they are wanting us to take a million dollar insurance policy for just that day. Would it be worth it for me to do this and how ... |
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 Scared of picking wrong health insurance!!!!!!? |
| In lieu of "Sicko", and reading so many horror stories on health care denials, unpaid claims, etc, etc; it really has me scared to pick an individual plan. I keep hearing that most of ... |
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 Insurance fraud question? |
| Hope u guys can settle an argument. My mate has accidental damage insurance via his home insurance. His stereo is pretty old and he told me he could buy a really good, but damaged one dead cheap, say ... |
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 I need to see a neurologist but don't have health insurance. Anyone have any suggestions? |
| Neurologists offices will only let u in the door with insurance because its too expensive. Of course to see a neurologist there has to be a possibly big problem, this has all been very stressfull and ... |
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 Anyone know why I cant cancel my Health Insurance through my employer until "open enrollment"? |
| We pay $800 a month and realized that we wouldnt spend that much if we paid cash. My husband tried to cancel it and we were told that we had to wait until open enrollment to cancel it, unless we had ... |
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 My doctor just gave me a slip to give to my work that says I should be temporarily disabled until 11/20/2007? |
The reason the doctor gave me the note is due to a knee injury that I have. Now my question is this, the injury was not work related so can I collect disability ins. during this time off???
... |
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 How much would you insure your hands or legs for? |
| It looks like my intended busness has just been ruined by a hand injury.... |
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 Term insurance - Can it be cancelled? |
I have a 20 year term insurance.
I think I am paying too much now. Can I cancel it, and go for another one, where the rates are cheaper? What are the drawbacks of doing this?... |
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 Does anybody offer job loss insurance? |
| I was just wondering if any insurance companies offer insurance that will cover your living expenses (regular bills, mortgage payments, etc) for say 3-4 months in the case of a job loss? Is there ... |
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| Moving into a new apt, going to get Renters Insurance? |
***how exactly does it work, i understand the basics but what if i do get robbed do they just hand over the check to me?? what if only some items get robbed??
***was it a hassle for you ... |
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ktf70 | Denied medical coverage? |
I am currently going for fetility treatment and was told by Dr. Office that I had coverage for pretesting.I checked a second time with billing and was told again that I had the coverage. Now I am being told that claims were denied and a mistake must have been made. Am I liable if Dr. office made a mistake? |
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Lori S
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You are responsible for the charges. Even if the dr's office was told by your insurance company over the phone that there was coverage for whatever you received, they also give a disclaimer that this is only the general benefit and no determination of benefit can be made until the bill is recieved and reviewed. Sorry, you did recieve the services. It might have been a good idea if you had checked with your insurance as well. |
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Phil
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Health insurance isn't my area of expertise, but I seem to remember that it is up to you to obtain prior authorization for all elective medical procedures. You can press this with both the doctor's office and the health insurer, but you might be out of luck. |
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zippythejessi
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Technically, the doctor's office did NOT make a mistake. Every time you call an insurance company, you hear this disclaimer either on a recording or from an actual person: "Quote of benefits is not a guarantee of payment. Actual benefits are determined when a claim is received." Meaning, your insurance company can TELL the doctor's office anything they want to hear, but the insurance can DO something completely different when they get the claim.
Your only recourse in this situation is to appeal thru your insurance company. Call member services and find out why your claims were denied. If it's for any other reason other than "timely filing" (meaning the doctor's office did nto adhere to the rules about filing claims, in which case, they have to eat it.) you next question is to ask for the appeals process - including a contact name, address, and phone number. As long as the services are a covered benefit under your plan, you can appeal. If they are not a covered benefit, there's nothing you can do to force the insurance to pay. In that case, you need to set up a payment plan with the provider. Regardless of who made the "mistake" you did receive the services rendered, and to not pay for them because you disagree is technically theft, and you can be sued for it. |
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MSAD
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You incurred the service so you are responsible for the charges. However, talk with the billing person at the dr office. Since they made a mistake, would they be willing to reduce the charges?
Or, had they told you the testing was not covered up front - would you still have had it? If so, suck it up and pay for it. |
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Coastalalltheway
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I'm sorry but you are responsible for the charges. It is your responsibility to know what coverage you have not your doctor's office. That is why they have the 1-800 number on the back of your card to ask questions. Most insurance don't cover fertility anyway. |
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Miss. Joe
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i second the notion in fighting it, that was their in error.. You should not be held liable for their negligance. |
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just hanging around
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fight it |
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