 Can you cancel easily health insurance should you quit your job? |
| The terms and agreements say that the enrollment will continue until you retire and also if you are in financial hardship, but what about if you quit your job? Is it hard to get rid of health ... |
|
 I am in the uk and can anybody tell me where I can get cheap car insurance? |
| I have just made a claim and lost my 2 year no claim bonus. The insurance company charged me £850 more on top of my original £640 insurance premium when I renewed my policy. Can anyone tell me ... |
|
 Do medical offices charge the same rate for people with insurance versus without insurance? |
Do doctors' offices charge the same rates for the same services to people with insurance and people without insurance?
Additional Details
I have actually heard it all ways. On the ... |
|
 What is the definition of insurance? |
| I'm new to the idea and have yet to touch on the subject, I need some help, please?... |
|
 Are small business owners required to prodive health insurance to their employees? |
| For example, is there any federal law making this a national small business requirement.... |
|
 Why do insurance companys screw over their policy holders? |
Additional Details
On November 10th my vehicle was totaled, the witnesses said the at fault car had to be going at least 80mph when it lost control, started to skid, over corrected and ... |
|
 Has anybody dropped their car insurance or home owner's policy to save money? |
| Some states allow you to prove "financial responsibility" instead of purchasing car insurance. If you don't have a mortgage, nobody will force you to buy homeowner's insurance. H... |
|
 Why buy life insurance if you are young? |
| What is the benefit of buying life insurance if you are young and not married and have no kids?... |
|
 Insurance questions......? |
| if your 16 can you get a car insured by yourself, like without your parents having to sign or anything?... |
|
 Smokers paying more for health insurance? Why should I pax tax to put your children through public school? |
| As a smoker I would be happy to pay more for health insurance. That is...if I do not have to pay school tax to put others' children through school. My child went to a private school. Having ... |
|
 Travel insurance? |
| Does anyone know a travel insurance company that will be sympathetic to raised cholesterol. The post office with whom I usually insure want a cholesterol test - my surgery cant give me one in time -... |
|
 Can a daughter cover her mother in her company's health insurance? |
| A friend of mine is expecting her daughter to get a full-time job after graduation in summer of 2007. She is a 58-year old widow and doesn’t have health insurance. She is planning to have her ... |
|
 What is better? |
HMO/PPO?
I know that HMO you have to have a referal. But what is a better insurance?... |
|
 How to sell more insurance policies in the market? |
| i m a Bajaj Allianz Life Advisor . Busness is O.K .. but what should i do to sell more and more ... |
|
 Should I get renters insurance? |
| Im just out of college with no alot of things. I recently got married but we dont have a whole lot of nice things just getting started. Is it expensive?... |
|
|  |
cll1spring | My Health Insurance doesn't cover what they said they would. How can i find out if they are doing me wrong? |
We went for regular Physicals and come to find out now that i owe 800 dollars in Doctors Bills. They covered nothing. Even though i should only pay 15 dollar copay. |
 |
 
Sugar
 |
Go over your policy well.Read the fine print. You should come up with something. |
|
calypso
 |
call your insurance and find out why- do you have a 'wellness benefit'? do they only cover items that are 'medically necessary'
if they should cover it (you can usually check your policy benefits online) then appeal it (you can usually do this over the phone
if you policy does not cover it then go to the doctor office and ask if they would be willing to reduce the bill for you- |
|
sarah314
|
First, you need to find out why the claim was denied.
Whenever your insurance company receives and denies a claim, you will receive an Explanation of Benefits (EOB) that tells you why the claim was rejected. *Always* look at every EOB you receive - its an important record of payments for your medical care, not a piece of junk mail.
Once you take a look at the denial on the EOB, then you'll know how to proceed. There are different approaches you would take, depending on the denial code.
Some examples - there may have been an error on your doctor's claim that needs corrected, you may have needed a referral to see that doctor, you may have went to an out of network doctor, etc. Those are all just examples - obviously I can't tell you what happened in your case, unless you update your question with the denial reason from the EOB.
Another possibility, since you said that you went for "regular physicals" - you might not have a benefit for routine physicals and routine lab work. That's not unusual on a health insurance policy - even if you have a benefit for the office visit, your doctor may have ordered lab work that's just not covered for you on a routine physical.
Another possibility - your office visit was covered, but any labs/tests were applied to your deductible.
Didn't receive an EOB? Then its possible that your insurer never even received and processed a claim under your ID number.
So...that's the first step to take...pull out that EOB. See how the claim was processed - did amounts apply to deductible? Were any services actually denied? You can also call your insurer for clarification on the denial reason. Once you get more info, feel free to ask here - you might get better answers with more specific detail. |
|
Gem
|
Claudia this could be one of many things
Is your doctor "in network"? Especially important if you have a PPO or HMO.
Did the doctor's office code the charges correctly? My doc's office screws this up all the time. If not coded correctly, then your insurance company rightfully assumes it is for another reason that is not covered.
Did you possibly schedule your physical too soon? A difference of just one day can mean no pay. For instance my insurance covers just one physical every year. If I schedule my physical for one day less than 365, it is not covered.
Is your insurance through an employer? Your company may have made the premium payment late, or not at all. Many businesses are struggling and quite a few are on the verge of bankruptcy.
The only way to find out what is truly going on is to get your bills together and call the insurance company and ask for help.
If you treat the person on the phone nicely and ask for their help in understanding what happened, you might be amazed at the results.
Many people in your situation call up the ins co and start yelling and cussing at the poor rep on the phone. When dealing with customer service always remember the following:
you catch more flies with honey than vinegar
and the poor girl on the phone is NOT the one that makes the decisions, she is just the poor sap that takes all the crap and gets sweared at for doing her (normally low paid) job.
Good luck, health insurance in this country is a complete nightmare for all of us EXCEPT the federal government worker and politicians. THEY don't deal with this crap. |
|
zippythejessi
|
"Quote of benefits is not a guarantee of payment. Actual benefits are determined when a claim is recieved."
This is the disclaimer that EVERY insurance company has. It covers their butts in the case of they SAY one thing but DO something completely different. You need to get a hold of a written copy of your policy, and as long as YOU held up your end of the deal (using participating doctors, allowing enough time between exams - usually a year and a day for routine physicals, etc.) then you have an appeal. If you recently changed insurances or something like that, the insurance might be waiting for what they call "Coordination of benefits" - which is basically their way of trying to weasel out of paying if there's ANY OTHER insurance in play. (All you have to do is show them - often verbally - that they are the primary or only plan.)
If you went to a doctor that is not in your network (be aware, just because a provider takes your plan, they may not be in your specific network, and some plans have hundreds of networks - you have to know specifics to YOUR plan.) or you went for the physical before the time allotted (most plans, it's 366 days from the last one, but some only allow every OTHER year), then you can TRY to fight, but you may not win. |
|
src50
|
There are a number of possible reasons. "They said" is too vague. Read your policy coverage carefully. Verify if you used an "in network" doctor. |
|
Glamour Girl.
|
Call your insurance company and ask them to reconsider your claim.
It IS possible that it got overlooked due to a mistake made by the medical office or insurance co.
And, furthermore, I'm sorry. Insurance companies are hell. I work in medicine, and I don't even like dealing with them.
They are like the mafia. |
|
azwintube
|
hello,
if you want read something about health insurance
i just come accross this blog which may help you
http://the-medical-health-insurance.blogspot.com
http://the-health-insurance-rates.blogspot.com
http://the-health-insurance-plans.blogspot.com
http://the-health-insurance-coverage.blogspot.com |
|
Amy H
|
There was a feature on BBC news this morning about this, they were saying that alot of companies weren't clarifying what they covered e.g. there was a man who had cancer and he found that his insurance became void when he had "procedures" and things such as check ups and doctor's letters were considered as procedures they then went on to say that insurance companies were using marketing strategies to sell people policies that weren't appropriate just to meet sales targets so in future READ THE SMALL PRINT other wise you will get ripped off. You will need to contact trading standards or the governing body for insurers to tell them that your insurance company has let you down and they may be able to prosecute them cos I'm sure you're not the only one with this problem. |
|
mbrcatz
|
You read your policy. The most likely issue, is that you have a DEDUCTIBLE. BUT, the explanation of benefits they send out to you denying the claim, should say exactly WHY they aren't covering it.
If you think it should be covered, and it's not, send the pertinent part of your policy with a copy of the denial, to your state insurance commissioner with a written complaint. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 35 minutes(s) ago
| | | |
10 | 53 minutes(s) ago
| | | |
10 | 56 minutes(s) ago
| | | |
10 | 2 hour(s) ago
| | | |
10 | 4 hour(s) ago
| | | |
10 | 7 hour(s) ago
| | | |
10 | 9 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
10 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
