 My unattached garage was just destroyed in a storm. How will the adjuster determine the replacement value? |
| I had an unattached, 2 car garage, which was just destroyed in a storm. I had it insured under my homeowners policy for $12,500.00, and it is a total loss. I am interested to know how the adjuster ... |
|
 What to do when medical bills exceed responsible party's policy limits? |
| The person responsible for the accident has a personal injury policy limit of $20,000. A friend's medical bills are over that. She suffered a broken leg, arm, clavicle, 2 ribs and has had ... |
|
 Is there an ins co name guarantee federal reserve insurance co? |
| looking for an insurance company by the name of guarantee federal reserve insurance ... |
|
 What can be done about the rising costs of healthcare premiums in the U.S.? |
The fact is that healthcare costs rise faster than inflation to the point that more and more people are going without health insurance.
What can be done about this, short of going to ... |
|
 Should I opt for Short term health Insurance in this scenario? |
| I lost my job recently. Since I was on a group plan, I have the usual expensive COBRA option. My new job does not come with health benefits. I can join on my spouse’s group health plan through his ... |
|
 Do you belong or know someone who belongs to AARP? |
what do they offer? Is it life insurance, auto insurance? ect?
Is it expensive?... |
|
 How can I get health insurance for myself and family and pay for it as business expense without employees? |
| I'm a successful part time entrepreneur in California, but I maintain my day job because of the group health insurance they offer. I'd like to cut the apron string and go out completely on ... |
|
 PAP(personal auto policy) coverage related with neighbor? |
| If my neighbor ask me to borrow my car for pick up her children, does PAP cover my neighbor?... |
|
 I was recently "let go" here in Virginia. Do I still qualify for Unemployment Insurance? |
| I was "let go" in Va, but the reason for termination was, "Mr. Badu I am going to have to let you go. It seems to me that you need to find out what you really want to do in life. Go ... |
|
 Why is your FICO score directly related to your mortgage insurance? |
| If you have a score that gets you 6.25% 30 year fixed rate. How can the insurance company judge your rate on your credit scores. If you have a low score, you should not get a home loan.... |
|
 Do the "Owners" of a corporation need to pay WorkersComp? |
We have 3 majority stock holders that are also employed by the corporation. Does WorkersComp apply? Operate in California.
Additional Details
I know it applies to the employees, but ... |
|
|  |
Leela | Why does my health insurance partially cover things even though I have a deductible (not that I'm complaining)? |
It's weird, I thought since I had a deductible I'd have to pay out of pocket for everything up until I reached the $4000 point, but every time I hand the receptionist my card she says, "thanks you're all set" and then I leave without paying a red cent and then a month or two later I get a bill for less than half what the visit cost and the insurance covers the rest.
Is this normal?
Additional Details
I don't get charged the same amount though, it seems to be between just over a third of the bill. hmm |
 |
 
Doctor Deth
 |
ask your HR dept - must just be the way your particular plan works - some pay 80% up to X dollars and then 100% over that amount |
|
Lori S
|
You should be receiving explanations of benefits from your insurance company explaining how the doctor is charging. If your doctor is a contracting provider for your insurance, even though you have a deductible to meet, the amount that is applied toward that deductible is the agreed upon contracted rate and not the actual fee that the doctor would charge. Even though you think that the doctor does the same thing in the same amount of time every time you are seen, this is probably not the case. What he is charging the insurance should be on the EOB's you get from the insurance. If you are not getting these, contact your carrier for them or an explanation. Some carriers also allow you to veiw EOB's on line. The reason you don't pay the doctor at the time, is because the doctor bills the insurance first, and once they receive the EOB, the doctor does the contractual write-off and bills you. Since your deductible is not met, the insurance is not actually paying anything to the doctor, the doctor is writing off the amount that is over the agreed upon amount with the insurance company-the thought being that he will make up some of this in the volume of patient's that see him due to being in this network of "preferred" providers. |
|
Wendy S
 |
Yes, it's normal.
And it's because your physicians sign an agreement that they're not going to charge your insurer more than x for x service, y for y service, z for z service. So if they normally charge, say, $150 for a visit but have agreed to only charge your insurer $75, they have to charge you the same thing they charge your insurer even though you have not reached your deductible. So you get a bill for $75. Once you have satisfied your deductible then the insurer pays the $75.
Makes you glad you have insurance, doesn't it?
Good luck! |
|
Insurance Pickle.com
|
You're paying the negotiated fee. Your doctor is billing $225 (for example) and the insurance company has negotiated $125 for the service, so the $100 disappears. They don't pay it. The $125 in my example is what would go towards your deductible.
You just learned one of the reasons why getting a higher deductible is usually smarter than a lower one.
http://www.InsurancePickle.com |
|
mbrcatz
|
It can be, depending on what the visits are about. It could also be, that you're paying the full amount, but the "full amount" has been adjusted downwards, to reflect the insurance discount. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
5 | 37 minutes(s) ago
| | | |
5 | 57 minutes(s) ago
| | | |
5 | 2 hour(s) ago
| | | |
5 | 5 hour(s) ago
| | | |
5 | 7 hour(s) ago
| | | |
5 | 8 hour(s) ago
| | | |
5 | 10 hour(s) ago
| | | |
5 | 2 day(s) ago
| | | |
5 | 3 day(s) ago
| | | |
5 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
