[GA] Being charged $5000 for a $60 tens unit, because Insurance denied claim. Insurance |
- [GA] Being charged $5000 for a $60 tens unit, because Insurance denied claim.
- Auto Insurance Car Location Question
- Taking Life Exam only for WA State.
- Policy cancellation rebuttal
- Will police (Michigan) report 0 point ticket to my insurance company?
- HSA went to unclaimed money
- Apartment liability insurance question
- Unfair settlement for total loss
- Auto collision happened over a year ago and in different state - too late to claim?
- International student, new driver. What to look for and how to save on insurance?
- Please help -- got billed for office visits told were covered
- My dental office never sent x-rays to insurance; my claim was denied
- Car Accident: 20 Years old, Rear ended Truck, No injury, Only Damage to my Car
- What do I do first? call insurance or tow it?
- Is the car totaled
| [GA] Being charged $5000 for a $60 tens unit, because Insurance denied claim. Posted: 11 Mar 2018 10:32 AM PDT Hi! I'm posting this for a friend who received a startling denial and bill in the mail the other day and who doesn't have Reddit. Thanks, ahead of time, for any guidance. She was at a work-related fair and someone there was evaluating people for back stress and offering them a tens unit. She has severe back issues, all of which are documented. In fact, she's to have surgery soon. She asked several questions from the rep, got the evaluation, and they told her she qualified based on the evaluation that they had done. She confirmed that this would be filed through insurance and that she wouldn't receive a bill. They said it would all be done through insurance and gave her a packing slip and that was that. She just received 50+ pages from her insurance company full of content that she doesn't understand, but it boils down to them denying the claim and saying she owes $5000. She looked up the unit and it sells for $60 on Amazon. How should she handle this? She's obviously in a panic right now. I suggested that she call the insurance company and ask them to break down why the claim was denied, but I don't know if that was sound advice or not. Thanks again for any help! [link] [comments]  |
| Auto Insurance Car Location Question Posted: 11 Mar 2018 08:36 PM PDT How does it work with car insurance if my primary residence is in a different state than the primary location of my vehicle? I am moving to a large city, but will be keeping my car out of the city and state in a garage (for weekend use). I'm assuming my car has to be registered in the state in which I live, but can my auto insurance rate still be based on the location/state in which my car primarily resides? Just want to get an idea of whats proper before I call my insurance company. [link] [comments]  |
| Taking Life Exam only for WA State. Posted: 11 Mar 2018 04:18 PM PDT Taking Life Exam for the second time. Almost passed the first time, but didn't. Anybody know any tips that can help me? I have my Property and Casualty licenses that I got a few years back and that was really hard as it took me several times to pass. This is just the life portion, not health and I am having difficulties. [link] [comments]  |
| Posted: 11 Mar 2018 07:42 PM PDT My husband and I both had two uncharacteristic claims on our auto insurance this year, and they just sent us a letter informing they want to cancel our policy. Would sending them a letter disputing this (in the nicest way possible) possibly change their mind? Any advice is appreciated. [link] [comments]  |
| Will police (Michigan) report 0 point ticket to my insurance company? Posted: 11 Mar 2018 10:54 AM PDT I received a speeding ticket but was given 0 points. I then received a letter saying if I take a driver's improvement course online for $100, "the violation and points (in any) will not be disclosed to the insurance company" [link] [comments]  |
| Posted: 11 Mar 2018 09:21 AM PDT So, I tried this in r/tax, and didn't get much of a response, maybe you guys have more info. tldr: Forgot an HSA, now I have a treasury check from unclaimed money. Can I submit this to my current HSA as a rollover? If not, are there special taxes I need to pay? Long story: At my previous job (left ~4yrs ago), we had an onsite staff/doctor that served as our personal doctor and everything went through them with no copays or anything, so I never paid much attention to insurance. At some point, I guess I had a HDHP and my employer contributed to the HSA, to which I also paid no attention. After I changed jobs, doctors started costing money and I started paying attention. After a bit, I also started an HSA with my new employer. I also vaguely remembered having a previous HSA, and I wanted to roll it over, so I found the old company (they had sent me a card that I had left in my wallet, but never used), and called them up. They had closed my account, and had sent all the correspondence to a previous address. Since they couldn't find me, they sent the money from the HSA to my states unclaimed money. I went through the state, and now I have a check from the state for $1508.09 (I'm thinking it's 2yrs of $750, maybe plus interest? - all employer contributed if that matters) Ideally, I'd like to submit this into my current HSA. But there's nothing that would distinguish the check as HSA money, the company name isn't even on there. If I just submit it as a rollover, will my current place accept it? If I just take it as income, do have to pay additional penalties? I do not have $1508.09 worth of doctors bills that would 'offset' like one would regularly use an HSA. So, what should I do? Thanks. [link] [comments]  |
| Apartment liability insurance question Posted: 11 Mar 2018 04:24 PM PDT We live in an apartment building with a security gate. The gate has been broken out for about three months, and they will not tell us when they're gonna fix it. In the last year it's been broken three times for a total of 10 months. The lease does not guarantee that it'll be working, So there's nothing we can do to force their hand to finally fix it. However, I'd like to know if We should report this to our car or renter insurance policy just in case. I'd also like to know if we can report this to the apartments insurance carrier. I am sure that having a security gate lowers their policy amount and I am sure they haven't informed their carrier about this. We are trying to force their hand and think this might. Of course we would report it anon and would have to first find out who their carrier is. Thanks [link] [comments]  |
| Unfair settlement for total loss Posted: 11 Mar 2018 03:26 PM PDT My car was totaled recently. The at faults insurance company offered me around 8,000 dollars for my vehicle. The car is 3 years old and has around 60,000 miles on it. I checked out the valuation report and how they factor the price seems incredibly unfair. They find 3 comparable vehicles in the area, subtract about 700 dollars for wear and tear and then subtract about 2000 dollars for mileage. My car is worth around 12,000 dollars in my area. They've chosen three vehicles with the lowest prices and deducted for things that the dealerships already factor into their final cost. Is this unfair or am I just trippin? I'm honestly livid and I don't even know how to go about negotiating a higher price. HHHAALLLP!!! [link] [comments]  |
| Auto collision happened over a year ago and in different state - too late to claim? Posted: 11 Mar 2018 01:53 PM PDT I clipped a friend's car in our parking lot about a year and a couple months ago. Their car didn't receive any damage but it left a pretty big mark on mine. With the latest tax return, I'm just now looking into getting my car fixed. I've been quoted for around $1,500 to $2,200 for repairs and my deductible is $500. This incident also happened in Louisiana (where my friend still lives), and I've since moved to North Carolina. Is it too late to file a claim? Truly appreciate any feedback/help! [link] [comments]  |
| International student, new driver. What to look for and how to save on insurance? Posted: 11 Mar 2018 01:46 PM PDT I'm an international college student in Louisiana, who just got my license for the first time at 20. I'm looking at used Camrys, Corollas or Civics from early to mid 2000s paid for in cash. I don't fully understand how insurance works in the US and what to shop for. Any help or suggestion is appreciated. Edit: I am employed part-time with an on-campus job [link] [comments]  |
| Please help -- got billed for office visits told were covered Posted: 11 Mar 2018 09:59 AM PDT Hello I hope this is okay to post here and I hope someone can help us. My gf own a small business and is enrolled in a low income health insurance plan (United Healthcare Essential Plan) through the NYS health exchange. She has had chronic ear pain for over a year and sought a diagnosis from her PCP. The PCP referred her to a ENT (ear-nose-throat) specialist that was in-network and took her insurance, etc. That ENT referred her to a physical therapy clinic for an evaluation to determine if it was a jaw/muscle issue affecting her ear. Again, she made sure that PT clinic was in-network and took her insurance. The PT clinic did an evaluation and the doctor/nurse/therapist that did her eval told her they were unsure if it would alleviate the pain, but they could try PT, and they might as well because she had a low copay. By now I'm sure you can guess where this is going. So although she was skeptical of the treatments working (partially thanks to eval) she began going to PT in the same building through the same office once a week for six weeks. When they did a patient intake she reminded them of her insurance plan and they said she "wouldn't have been referred to them if they did not take her insurance" and that her "copay would be $15." She paid her copay each visit and never once did the staff let her know of any additional costs. Fast forward to Friday when she received a bill in the mail for the full cost of the treatments minus her copays. Her insurance didn't cover any of the treatments. She was devastated. Now we are trying to figure out the best course of action to resolve this. Does anyone have any experience or suggestions as to where to start? The insurance company? The PT office? Her PCP? What are the chances of getting this covered? Reduced? Tossed out? [link] [comments]  |
| My dental office never sent x-rays to insurance; my claim was denied Posted: 11 Mar 2018 12:35 PM PDT My partner is on my insurance. He had to get a few things done at the dentist. The dental office submitted several claims for this work, and most of them were successfully processed. One was denied because my insurance never received x-rays from the dental office after months of asking for them. We started receiving letters from my insurance company the month after the services were rendered. We were copied on these letters. They were sent to my dentist. It stated plainly that no action was requested from myself. The letters stated that they were waiting on receiving x-rays. The dental office would get 30 days upon receiving the letter to send in the x-rays. I called the dental office after getting the second letter like this. The receptionist knew about the situation right away and was very frustrated. She told me she had sent them in, and she didn't know what they were talking about. She said she would resend them again. I asked her if our bill was paid off. She said yes. The letters continued. I called my insurance company about a month or two ago. They told me they would get a hold of the dental office and call me back. They never called me back. A few days ago, I received a bill from my dental office for $500 plus late fees. It was at this point that I looked at my insurance claims online and saw that one had been denied. In the notes, it said the claim was denied because they never received necessary documents, and they will reconsider the claim once they receive them. I called my insurance. They wouldn't tell me why their representative never gave me a call-back. They told me all the dental office has to do is fax them the x-rays, and I should go to their office in-person and tell them to do this. I've been reading about responsibility when it comes to a dental office and an insurance company. What I've read has all been advice for dental offices. Basically, it says that a dental office doesn't have responsibility to file your claims, but most do as a courtesy. The office should spell this out clearly to the patient. If a claim is denied, then they should bill the patient and tell them to contact their insurance about it. So, it sounds like, "If anything goes wrong with the claim, it's on the patient because we were just doing you a courtesy and are not actually obligated to help with insurance claims." Was it the dental office's responsibility to work this out with my insurance? Does anyone have any idea what the error in communication might be? I've asked my insurance, and they can only guess. I plan on going in on Monday to demand that they fax the x-rays or ask for a copy. Should I do anything else? Can I pursue legal recourse if this continues to be a problem? I really feel like they failed me here, especially since I asked them about the issue and they told me it was being handled. [link] [comments]  |
| Car Accident: 20 Years old, Rear ended Truck, No injury, Only Damage to my Car Posted: 11 Mar 2018 11:28 AM PDT Hey, My location in Georgia, US and I just got into my first car accident. I rear ended a large truck but he said there was no damage to his truck. So there is only damage to my car and its pretty bad. Do I file a claim with my insurence? [link] [comments]  |
| What do I do first? call insurance or tow it? Posted: 11 Mar 2018 07:16 AM PDT If possible, I'm looking for guidance on what order to proceed. Never had this situation before...I know I probably need to contact insurance and get car towed but not sure how to go about doing it. Backstory: my honda civic rear-ended a big white van. His car not scratched. My hood is a bit dented where it hit the bumper, light cracked and bumper popped off. Was speaking with the guy, he went to his car (I thought to get pen and paper to exchange names) but he got in and drove off. His car was fine. Mine drove fine for 2 days so I didn't report to insurance. It's a 2006 Honda Civic that is on it's last legs with 195k on it. I didn't want to report for a $40 light. Last night, we got home and there was steam hissing out of front of engine. Looks like antifreeze leaking. Filled it. Drove this AM for a test - seems like cooling fan isn't working. Engine temp going up and down depending on how fast we drive and how long we idle. Scared to do anything else, so we went home. Now, we need to tow it to autoshop. Not sure if it's worth keeping the car but we can't afford a new one, so we were hoping it was just ugly bumper damage and a new light but it seems to be more than that. Not sure if I call insurance (geico) and report accident first or tow to autoshop and have them look at it first. any suggestions? Thank you in advance. I haven't had an accident in over 12 years and at that time, the other person was at fault and I knew to notify insurance right away. In this case, I don't know if it will be covered b/c I didn't call immediately. [link] [comments]  |
| Posted: 10 Mar 2018 09:42 PM PST Hi everyone, just wanted to know something because I am freaking out. I got into a car accident today. Totally at fault. I'm driving a 2017 Volkswagen Jetta. About a year old now. The accident damage was fairly substantial. I got hit on my left side. So the driver door and the passenger door behind it are damaged pretty good. Plus the frame part on the door is dented. Not to mention both airbags on the side deployed. I am financing this car so at this point I hope it is totaled. I am really shitting bricks right now cuz what if they fix it and I have 5 years left paying for a car that lost over half it's value already. So do you guys think it will be totaled? One of the insurance guys I was talking to said it looks like it would be totaled if he had to put money on it. ( I know I should just wait for the adjuster to call me back in a couple days but like I just want some reassurances) lol. Thanks [link] [comments]  |
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