ER Physicians group refuses to file claim with insurance company, has started dunning phone calls Insurance |
- ER Physicians group refuses to file claim with insurance company, has started dunning phone calls
- Health Insurance / STD Testing, preventative care? Billing Issue.
- Is this car insurance coverage good ? Does PIP cover all medical expenses ?
- [IN] Insured medically, but can't use it.
- help with car insurance
- [Florida] I was offered my dream job and diagnosed with a brain tumor within the same month. Will my new job's health insurance cover me?
- Is it normal for a policy to cover every family member for every item under a policy?
- Husband was in an accident Friday, and insurance hasn’t been able to get ahold of the person who hit our car
- Question About an Accident at Work
- Why does dropping collision on Car A raise the insurance rates on Cars B, C, and D
- Looking for recommendations on Policy Level coverages for a motorcycle policy and the role of health insurance vs. motorcycle insurance in an accident.
- Refused Insurance through Employer at my new job, I regret it, what do I do now?
- change in flights after car accident, is insurance responsible?
- [NJ] Uninsured with ER bill from 2017, applying for Charity Care
- 21 with learning permit, how do i get insurance
- Short term disability coverage claim during in patient chemical dependency treatment. Any issues in my situation below that might prevent me from being approved?
- I have Rite Aid Employee Insurance but all the Rite Aids around me changed to Walgreens
- The joy and futility of Insurance
- GAP Insurance
- I’ll take any and all suggestions and recommendations :)
- I got into an accident where I was deemed at fault almost a year ago. Insurance rate is extremely high. Is there any way I could get a lower rate?
- Is this cause of loss covered or excluded by the Limited Water Coverage section of my policy?
| ER Physicians group refuses to file claim with insurance company, has started dunning phone calls Posted: 27 Feb 2018 12:25 AM PST The physicians group at the ER I went to over six months ago flatly refuses to file a claim with my insurance. The insurance company has tried to explain to them how to file claims, we have spent months trying to find out if they even have a claims department. No one in the physicians group we can get on the phone knows anything about claims or how to file one or who in their group does such a thing. What now? The phone calls are getting annoying. [link] [comments]  |
| Health Insurance / STD Testing, preventative care? Billing Issue. Posted: 26 Feb 2018 05:39 PM PST November 2017, urgent care visit. Secondary reason for visit is I ask to be tested for STD's, my first time being tested in 2017. Before asking, I ask the doctor if this is covered and he assures me yes. He didn't even say like "probably or most of the time" he literally answered yes. I should have known better than to have listened to a dr. who doesn't handle billing. I'm in network, I have good insurance with United Health. It's preventative care I'm told. Now I get a bill for $166 in the mail, my EOB discounted the bill from $510 or so according to the website. I'm being told by health insurance they didn't use the right preventative diagnosis codes for it to be covered 100%. Now I'm encountering resistance with the provider, who was just bought out by another provider and everytime I call it's a mess of people telling me they can't find my records or help me. Is there a formal process to appeal this type of thing? They're telling me the bill is due by 3/14 and I got it in the mail yesterday, with no itemized statement included at all. Anyone have advice to negotiate or have these tests covered? I'm thinking 1) Ask to talk to a supervisor, or a manager failing that 2) Send them something in writing disputing the charge? Based off the doctor leading me to believe it would be covered? 3) Request an extension to get to the bottom of the billing issue if this should be covered? Any advice anyone? good news i'm std free. but need money. [link] [comments]  |
| Is this car insurance coverage good ? Does PIP cover all medical expenses ? Posted: 26 Feb 2018 05:44 PM PST Hi everyone. So my coverage for a 2008 beetle owned and 2013 passat financed is: 1. Bodily Liability 100/200
Geico. We are paying just under 200$ monthly for this in NJ with no car accident history. Wife has been with geico for 9 years, had license for 10 years. I only got a driving license a year ago. The account is on her name , and both vehicles are added to hers and but I'm added as a driver, so i guess I'm covered for everything, but the PIP limit of 250K is that for each one of us or combined as well as the MED ? Say we both in our car and get into an accident , we have only 250k of PIP insurance between us, right ? Not 500. We don't have insurance, and that's why i went with higher limits in case of an accident I'm only finding PIP, MED and uninsured motorist a bit confusing. PIP - covers all expenses, only medical though. Is 250k too much for this ? I didn't select the wages. Now, if PIP covers all medical expenses what is MED for ? And, since having PIP, why do i need uninsured motorist ? Or PIP won't work if the other person has a low liability limit for bodily injuries , but in that case, why am i paying for insurance just to think if he has a high or low liability . Kind of confusing to me. On the other hand, PIP in NJ should be working whether i am or not at fault, and my insurance should pay for it, so do i need uninsured motorist coverage ? [link] [comments]  |
| [IN] Insured medically, but can't use it. Posted: 26 Feb 2018 07:33 PM PST My mom has me on her insurance, it's a high deductible plan, and I'm not supposed to use it unless for emergencies. I'm a student with 0 income, so I can't afford to pay for visits until I meet the deductible. I'm also at a point where I need to be making regular doctor visits for mental health. I don't really know what to do at this point, I think I might qualify for HIP/medicaid, but I believe you still have to pay copays or contribute part of your income to avoid that. Is there anything I can do? [link] [comments]  |
| Posted: 26 Feb 2018 07:11 PM PST My friend hit a car from behind. Both cars had no sign of damage except for a paint scuff on the other car. The issue here is that the other car was a rental car. I heard a lot of bad things about car rentals places and my friend is nervous that they will end up charging him a lot in damages. What I'm asking is what should he expect and the best way to deal with the situation? we live in Canada. [link] [comments]  |
| Posted: 26 Feb 2018 06:42 PM PST I originally posted this in /r/legaladvice, but I was told I'd get better information here. I am 35 years old and the sole provider for my family of four (me, my wife, and twin 3 year old boys). I haven't been happy at work these past few years and recently started looking for greener pastures. After more rejections than I care to count, I managed to get a job offer on Friday from a fantastic company that pays well. They want me to start in April. I would normally be very excited by this except I found out a couple weeks ago (after I had already been through the interview process with this company) that I have a benign brain tumor. I will be treating it with "radiosurgery" (high dosage radiation delivered directly to the tumor but not affecting the brain or surrounding tissue). I have my first radiation session scheduled for March but the last few sessions would be after I start the new job in April. There is also a possibility that I will need to have additional treatments (and possibly even full blown brain surgery) at some point in the future. My question is: If I accept this job offer, does the law require the health insurance offered by my new employer to cover me for the medical care I need related to my tumor? Or is it possible that the new insurance company would deny coverage based on the fact that this is a preexisting condition that I knew about when I got the new job and new insurance? I know the Affordable Care Act required insurance carriers to cover preexisting conditions, but I also know President Trump issued an executive order dismantling some of the ACA. I am very anxious about this and would appreciate any help. [link] [comments]  |
| Is it normal for a policy to cover every family member for every item under a policy? Posted: 26 Feb 2018 11:20 AM PST So I'm under my parents policy for my car but don't live with them. Today, my mom was telling me that I'm covered for all their cars and I'm on their house insurance as well. I'm not an owner of the house. If my name is taken off the policy, it doesn't impact pricing. That doesn't really make sense to me since I'm not legally an owner of the house. Is that's a normal thing or is it just AAA? Any information or advice you all could give would be appreciated. [link] [comments]  |
| Posted: 26 Feb 2018 10:02 AM PST On Friday afternoon, my husband picked our son up from school. There isn't a parking lot so he parked on a side street ( as we always do). While my husband was buckling him into the car, someone hit our open car door, bending it completely backwards. The police came and said it was the others drivers fault. He also told my husband to just go through her insurance so there wouldn't be a claim on our insurance. My husband called her insurance immediately after the police report was made. He said she also called her insurance. So the car isn't drivable because we can't close the door. We definitely need a rental. I called her insurance to find out the status and what we do as far as getting a rental and they said they can't do anything until they get ahold of her. My question is, what happens if they can't get ahold of her? I'm in California, by the way. [link] [comments]  |
| Question About an Accident at Work Posted: 26 Feb 2018 05:10 PM PST I'm going to need a car for the first time in 3+ years. I drive a truck for a living and hit a tree branch 4 years ago. When shopping for insurance all the sites ask for any incidents within the last 5 years. Do I have to list that even though I'm not 100% sure my company even filed an insurance claim or that my name would even be listed if there was a claim? [link] [comments]  |
| Why does dropping collision on Car A raise the insurance rates on Cars B, C, and D Posted: 26 Feb 2018 08:47 AM PST Gastonia North Carolina Went to drop collision on a 10 year old car. The rates I was quoted for my other three cars simultaneously increased to almost match the drop. Is that kosher? Is it legal? Am I just getting bad service? [link] [comments]  |
| Posted: 26 Feb 2018 11:14 AM PST I recently switched from Geico to Progressive to save a decent amount of money for my motorcycle policy and am looking for recommendations from unbiased professionals on what I should set my coverages at. Here are my current coverages: -Bodily Injury & Property Damage: 25/50/10 -Pedestrian Personal Injury Protection: $5,000 -Uninsured Motorist Bodily Injury: 25/50k -Underinsured Motorist: 25/50k -Medical Payments: not chosen. My bike's deductibles are set at 250 comprehensive and collision. My questions are: 1. Am I carrying enough coverage? I guess I'm wondering how much underinsured and uninsured coverage I should carry on a motorcycle.
Background: I'm entering my second riding season. I passed the safety course and am a pretty chill rider. I'm located in Pennsylvania. Thanks! Edit: grammar [link] [comments]  |
| Refused Insurance through Employer at my new job, I regret it, what do I do now? Posted: 26 Feb 2018 02:28 PM PST Mid twenties with a part-time fiancee and 3 y.o. child. Midwest US, all native citizens. This is my first full-time job in the field I studied at Uni. I filled out a form refusing to enroll myelf or dependant on health insurance through my employer. At the time, I was just thinking about the money I'd be saving without that payment, but it wasn't until a week later I realized how stupid I am and started panicking about child's physician and dentist visits. How can I ensure ( har-har ) that I get me child and self basic health and dental insurance? I am very ignorant on this subject, having been uninsured most of my life, and on my rent's only a while. They are very poor, skated by on edge of system, I never learned anything. I have gone to Healthcare.gov and I think I qualify for a special exception ( moved into new house, new city on 1st of year, started work the next day. ) What are my next steps? I honestly don't even care about the money from employer, I am willing to pay full price as long as I can still get coverage for my child and I ( employee handbook says they pay 20 percent ). Thank you in advance, feel free to verbally bash me for not thinking before I signed, it will help. [link] [comments]  |
| change in flights after car accident, is insurance responsible? Posted: 26 Feb 2018 01:19 PM PST A relative got into an accident recently, the other driver is 100% at fault (multiple witnesses, got ticket, etc). My relative was supposed to fly out of town the next day (parent in hospital for serious operation), but was too sore / ill to fly out the next day. So She was forced to change the flight for a few days later after visiting doctors / chiropractor. The change in airfare cost hundreds of dollars due to last minute change. The insurance company for the liable party should pay for this increase in fare, right? How would she go about getting reimbursed for this? [link] [comments]  |
| [NJ] Uninsured with ER bill from 2017, applying for Charity Care Posted: 26 Feb 2018 09:26 AM PST This post is a mixture of r/insurance, r/legaladvice, and r/personalfinance so I decided to start here. In mid-December 2017, my uninsured fiance had to go to the ER. This was TOTALLY unexpected as he is a very healthy young adult. His new insurance would not start until January 1 so we are completely SOL for this December visit. During his 8-hour ER stay, he briefly talked with a financial advisor and was given the paperwork on how to apply for the NJ Charity Care program. Once he left the hospital, he spent the next few weeks gathering all the paperwork. He definitely qualifies for the program as the income limit for Charity Care in 2017 was $12,060 and he grossed $10,600. The 2017 asset limit was $7500 and he is well below that limit, too. I need to clarify here that my financial information, based on NJ law, is irrelevant for his charity care application as we are not married, not domestic partners, not in a civil union, not common-law marriage, etc etc. This is in no way my debt, it is his. My financials can in no way legally be considered as part of his application either. Now, onto the issue: The advisor he was assigned, for lack of a better term, was a complete air-head. She denied him for being 'high income'. According to the 2017 NJ Charity Care requirements, he qualifies. Again, his gross income was $10,600 and once taxes are paid and qualifying expenses deducted, he is still below the 2017 income limit of $12,060. She kept asking questions and not believing/comprehending his answers. For example, he is not on a standard pay schedule. Meaning, one month he might receive one paycheck and the next month he might receive three. She could still not understand this concept and wrote him down as receiving three paychecks EVERY month which is untrue. He tried to show her the date the checks were issued but she still couldn't understand. He also had a letter from his employer (one of the requirements for application) stating his gross salary for the 2017 year. The letter was written and dated January 2018. She looked at it and said the letter had to be dated to BEFORE the ER visit. But that makes no sense... how would his employer have written the letter BEFORE he went to the ER? She also couldn't understand why he could have insurance as of January 1, 2018 but not have had it in December 2017 (well, that's because marketplace coverage doesn't start until January!). She took a copy of his insurance (which wouldn't cover the December visit since it didn't start until January) to add to his file. There are MANY other things that happened during the visit that do not make sense. Not only did she fabricate his paperwork (and actually threw out some of his documents), but she was completely unprofessional in that she was openly sexually harassing the security guard (ie, feeling up his biceps and saying things like "I'm going to tie you up in my office for later"). He plans to go back to the office later this week and hopefully get a different advisor. He also plans to record the conversation (one-party consent state) due to the first advisor's complete incompetence. We really don't know what else to do here, we're very flabbergasted at her actions. Is there a way to appeal this? Is there anything else we should be doing besides PRAY for another advisor? [link] [comments]  |
| 21 with learning permit, how do i get insurance Posted: 26 Feb 2018 12:40 PM PST 21, male, California I just got a car, and my learning permit, i am 21, and I need insurance. I do not live with parents, so i can't go on my moms insurance since I don't live with her. People keep telling me no one will insure someone with only a permit. Girlfriend said I can go on hers but we'd have to say we are "living together" Not sure what to do, also afraid my rates will be sky high even with just liability or something. [link] [comments]  |
| Posted: 26 Feb 2018 11:35 AM PST I had the flu for the first week and a half of 2018. I went to the doctor and took time off from work - was planning on going back as soon as I got over the flu. Prior to this, I'd been drinking heavily for a year. I'd started to think about going to treatment. While I was out sick, I started drinking again on top of the flu. On January 15th, I was admitted to the ER for alcohol detox and went to a facility for a week of detox. On the 23rd I transferred to an inpatient treatment center and am now in their Residential Outpatient Program. I just got access to my email and so forth and followed up with Unum, my company's disability benefits provider. They have details from the rehab + my employer and I provided the information above to them. My employer initiated FMLA and disability claims while I was in detox. They listed the start of my disability as 1/2 which is when I had the flu. My FMLA claim is still pending finalization of my discharge date. I have still been receiving paychecks from my employer for the last 3 paydays. However, my STD claim is still processing. My questions and concerns: -Is it likely that my claim will be approved? I am concerned about the gap between when I had the flu and went to detox. -I'm also concerned that addiction treatment / alcoholism is not always covered under short term disability. - If my claim is declined, will I have to pay back my company for the checks they've already sent me? A few additional details:
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| I have Rite Aid Employee Insurance but all the Rite Aids around me changed to Walgreens Posted: 26 Feb 2018 11:08 AM PST So I am 23 and am on my mom's insurance. She is a Rite Aid employee in Buffalo and I live and work in Virginia. All of the Rite Aids here turned to Walgreens and now my copays are going from $15 to around $60. I am very worried because Walgreens has stopped allowing overrides for this situation and I have no idea what to do. I don't even know how I can compare prices to other pharmacies. I am at such a loss right now. I would appreciate any help. My medication is all for my asthma and the situation is becoming dire. [link] [comments]  |
| The joy and futility of Insurance Posted: 26 Feb 2018 02:50 PM PST June 2017 - Hit curb, hard, take to dealership and call insurance, new tire, rim, alignment and strut, front passenger side. October 2017 - Dealership notices bulge in recently replaced tire, note it, don't mention, recommend another alignment due to tire wear. I decline. Recently had it aligned. They notice a single new tire in June. Also car making a hum coming from the same location of collision (wheel bearing?) January 2018 - Front Passenger side tire feels like its bouncing. Notice bulge in sidewall, dealership assures me I hit a pot hole, tires dont fail otherwise. Late January 2018 - Insurance declined road hazard on replaced tire, new tire $250. At time of accident tire had road hazard, insurance replacement didn't. Tire rack doesn't want to replace tire that was covered at time of collision because the tire was repaired more than 60 days ago. Im still not sure about this one, but they are sure it was in the details. Mid Feburary 2018 - Really do hit a pothole (same passenger side). Right front gets that jumpy feeling again. Start thinking Recently replaced tire (that now has road hazard) needs replacing. Take car to Firestone, asking them to identify cause of right front shaking. They call back saying both tires on the Drivers side are about 1/2 the tread of the side that took the initial damage (and got the new tire, rim, strut, etc). I have had insurance on the tires twice now, and the car has always had it, but now I'm looking at replacing 2 tires (all 4 were done in 2016 with maybe 20k miles driven on them.). Tire racks road hazard isn't likely to cover due to tire wear (one tire almost through, there is an exemption in the road hazard for alignment) Im going to call esurance but at this point Its hard to be optimistic. Any advice appreciated. [link] [comments]  |
| Posted: 26 Feb 2018 10:59 AM PST Can you get GAP Insurance anytime? I purchased a CPO car through a dealer 2 years ago, but just found out about GAP Insurance and I'm interested. I still owe $7K. [link] [comments]  |
| I’ll take any and all suggestions and recommendations :) Posted: 26 Feb 2018 10:27 AM PST |
| Posted: 26 Feb 2018 08:29 AM PST USA, Arizona, at fault, 17 years old (16 during accident) (Arizona is an at fault state). I had Ameriprise at the time (now under Dad's Geico coverage so we could try to get a lower rate) I was pulling out of my apartment complex in my little Z3 that we got off Craigslist, and my view of the street was completely obstructed by cars parked on the curb. I roll forward slowly to try to see better and end up t-boning another car (it was a under 5 mph hit if that means anything). Problem is, insurance is expensive as hell now and we've been looking for a new company. Understandably, collision insurance is the majority of the price (~60%-70%). Is there anything I can do besides gutting my coverages? [link] [comments]  |
| Is this cause of loss covered or excluded by the Limited Water Coverage section of my policy? Posted: 26 Feb 2018 07:49 AM PST This sounds similar to another post on here currently, but I promise it's just a coincidence. About a week ago, I noticed a water stain on the soffit above one of my kitchen cabinets. I checked in the cabinet, and one of my mixing bowls at the top was filled with palish brown water. Further, the wooden interior of the cabinet was waterlogged and soft to the touch. Clearly I have a leak somewhere, and the most obvious culprit is the bathroom right above the kitchen. I just moved to this house in November, and the seller provided a home warranty, so I gave them a call. According to the plumber that came out, there is a trap underneath my bathtub that has malfunctioned and has spilled a considerable amount of water into my ceiling. Neither he nor I could tell for certain if it had failed a single time, or if it failed before. In his words, "The traps that they used in these old houses look like a teapot. They were cute, but they barely worked." In my Farmers HO policy, there is section about Limited Water Coverage that states: (4) a sudden, abrupt and accidental discharge, eruption, overflow or release of water, other than a water - reverse flow, from within any portion of: i. a plumbing system; ii. a heating or air conditioning system; iii. an automatic fire protection system; or iv. a household appliance It then states that: A sudden, abrupt and accidental discharge, eruption, overflow or release of water does not include a constant or repeating gradual or slow release of water, or the infiltration or presence of water over a period of time, regardless of the volume of water involved. We do not cover any water, or the presence of water, over a period of time from any constant or repeating gradual or slow seepage, leakage, trickle, collection, spray or mist, infiltration or overflow of water from any source, even if from the usage of those items described in subsection a.(4) above, whether known or unknown to any insured. I'm having trouble determining whether I should submit a claim. On one hand, the damage to the kitchen ceiling just appeared, so I would have to think that this damage hasn't been ongoing for a long time. On the other hand,neither I nor the plumber could determine for sure that the damage wasn't from a constant release of water. If there are any claim handlers or adjusters on here, what is your first thought? The home warranty folks have agreed to open the kitchen ceiling to replace the trap, but they claim that they are not responsible for repairing the open ceiling. I'd like to see if my insurance policy would cover the damage to the kitchen ceiling, the cabinet, and possibly any mold damage that might be taking place above my ceiling. [link] [comments]  |
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