 I work at a large insurance company...my group is filled with jealous females...? |
| I work at a large insurance company...my group is filled with jealous females...the thing that I just cannot comprehend is this: why do they get mad at you when you don't talk to them? What the ... |
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 My LIC policy jeevansree and one of the agent i paid amount 30.000/-but he jumped what i have to do? |
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 What's the lowest cost medical plan I can get? |
| I'm talking very high deductible, really just there in case of an emergency. I'm 30 years old, single, in good health. What would be a monthly payment on that type of plan and who offers ... |
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| My fathers doctor told him five years ago if he did not quit smoking, he would be dead within three years. Well, my dad is alive and kicking, He has COPD really bad and I don't think he will ... |
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 Question on life insurance in US? |
hi
is it possible for NON US citizens,to take life insurance in US...
how does it work,in case if the insurer passes away here in US and if the beneficiary is another country...
and ... |
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| I don't live with my parents anymore. I don't know if I even have life insurance or how to get it.... |
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 $700 billion bailout plan? |
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| I lived with my uncle for 5 years after her death and he claimed she left no money behind or anything, which leaves me barely 18 and not much go off of right now...its not so much about the money but ... |
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ladybug | Insurance co won't cover my needs since recent injuries left me quadriplegic, can i notify Texas ins board? |
Insurance benefits were part of my employment, and I am still paying out of pocket for this insurance, but I am so very very frustrated that they are denying me OT/PT services, home health skilled nursing, social worker. I wondered if complaining to the state board of insurance would do any good. Any help would be appreciated. |
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mbrcatz
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Sure you can! Anyone can complain about any thing. Then they'll forward the complaint to the insurance company, who will say, "no, that's not covered" or "yes, it's covered but we aren't paying because".
Hopefully, you've already gotten some claim denial notices, so you should have some idea about why they aren't paying.
Usually health insurance DOES cover OT/PT services, but NOT home health care, skilled nursing (except inpatient in a hospital) or social worker.
If you have long term care insurance, that may pay for home health care or skilled nursing in your home.
If it's not covered, the insurance department can't rewrite the policy to make it covered. But if it is, and they're just being obstinate, they CAN get something done about it. |
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Chillin-it
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Texas Department of Insurance
P.O. Box 149104
Austin Texas 78714-9104
FAX # (512) 475-1771 |
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Tina
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If your policy says PT and OT, etc., are covered services, then definitely contact the insurance board. If your policy says they are not covered, then you're out of luck. I would drop my insurance and get on Medicaid. |
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zippythejessi
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Check your plan benefits - if they weren't covered to begin with, you can't force your insurance to cover them. If they are a covered benefit, then find out why they're being denied. If you're not using a participating provider, then you have to use one who participates.
If they're being denied for no viable reason, then file a complaint. |
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freakyallweeky
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Complaining won't do you any good. It never has and it never will. You could call the Texas insurance commission and find out if your insurance company is breaking any laws by denying you these things. You may find out some very interesting facts about insurance that way because the insurance commission is just there to help you in case insurance companies try to screw you. You will find their phone number in the state listings in your phone book. Good luck! |
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