Dentist charging me for a visit I never had Insurance |
- Dentist charging me for a visit I never had
- Claim denied for $2600 bill
- Mixed breed rescue dogs and All State homeowner’s insurance?
- I am an Allstate Agent...
- How do personal injury attorneys fight to get a large auto injury lien reduced? (California)
- Vacant land insurance recommendations?
- If a property/casualty insurance company non-renews a policy, is that permanent/for life or is that for a certain number of years?
- Dental office been billing for PPO but I have HMO
- Should we just pay cash for health insurance if we don't qualify for any credits? (Texas, no PPO available)
- Dental treatment and insurance payment - Texas (USA)
- Insurance with Progressive
- Victim of body shop fraud
- Question about unpaid bill
- Accident on co-insured car. Will it go on both our records?
- Land Contracts & Insurance
- If my company is paying my COBRA premiums on my behalf and I’m reimbursing them by check, do I still have an extended deadline to repay them per the CARES Act?
- GAP Insurance
- I visit DE alot but, mostly stay in NY. Questions on insurance/registration.
- Regarding Geico Indemnity
- Auto claim time deadline-Illinois
- What is the cheapest insurance to get for a moped when you are a new driver? I AM STUMPED
- Condo HO6 Insurance, how the heck do I know how much I need to cover the full walls in value?
- Claim Made on Master Condo Insurance: Implications for Future Premiums?
- Umbrella insurances... thinking of getting one and have a question...
| Dentist charging me for a visit I never had Posted: 27 Oct 2020 07:58 PM PDT New York I am writing this for my aunt. She said that she went in for a scheduled dentist appointment today. When she gave her name the receptionist said that she owes money from her last visit (April 2020) $300 (evaluation and cleaning), the reason it is that high is because her insurance ended in January. The insurance they seem to have on file is Emblem but the thing is my aunt changed it in Novemeber of 2019, so now she has Affinity. She had Affinity since January 2020, paid every month. The receptionist also said her last visit was in April of this year, my aunt said she did not go any doctors appointments since March because of Covid. My aunt explained that went to the dentist last year (2019) but they never said that she owed any money nor did they send any bill to her house. The receptionist then said that they are not in Affinity network anymore but my aunt called Affinity they said that this dentist office is in the network. The receptionist says she has till tomorrow to pay. What should she do? I have a feeling they are trying to charge last year visit for this year. [link] [comments]  |
| Posted: 27 Oct 2020 01:07 PM PDT Doctor ordered a hydrogen breath test in June of this year. Normally this is done in the clinic, but due to Covid it was instead performed at the hospital nearby. I was told explicitly before the service was performed that it would cost my $250 out of pocket (by hospital personnel). I received a bill for $2600 in the mail from my insurance stating my claim was denied because this test is experimental. I appealed it with every bit of documentation my doctor was able to send over and it's still denied. How can I go about reducing this bill? Can my doctor work with the hospital? Should I call BCBS back and appeal again? I don't have $2600 to give them for sitting in a chair and breathing in a tube for 3 hours. [link] [comments]  |
| Mixed breed rescue dogs and All State homeowner’s insurance? Posted: 27 Oct 2020 08:36 PM PDT I know there's a list of restricted breeds but what happens if you get a rescue dog and the mix is just the best guess of whoever you're adopting from? I bought my house over a year ago with no pets, and I'm considering getting a rescue dog. They can't be forcing owners to get dna tests right? Say the mix is thought to be a Husky(restricted) and a boxer (allowed) I can imagine people saying "oh yeah it's a boxer" How does ASI enforce that? edit: I live in New Hampshire. [link] [comments]  |
| Posted: 27 Oct 2020 07:23 PM PDT Hello all, I am currently an Allstate insurance agent in P&C. To get to the point my agency owners sucks, he/she is never in the office. I am fresh out of college and I am trying to basically teach myself how to sell. I found another Allstate job with a different agency owner. Have any of you had any experience with this? And will a non-compete alter me being able to pursue going from one Allstate agency to another? Any info helps! [link] [comments]  |
| How do personal injury attorneys fight to get a large auto injury lien reduced? (California) Posted: 27 Oct 2020 07:38 PM PDT The settlement is for the policy limits of $100,000 but there's a large lien that takes up most of it. I was told my claim is worth more but there is no other insurance to go after. Please break it down for me so I understand [link] [comments]  |
| Vacant land insurance recommendations? Posted: 27 Oct 2020 04:18 PM PDT I've tried calling some well known national brands and none of them offer vacant land insurance. Although searching brings up options they aren't companies I'm familiar with. Would appreciate any advice you all would have when shopping for vacant land insurance. Thanks! Edit: Location is in Northern California [link] [comments]  |
| Posted: 27 Oct 2020 11:45 PM PDT Asking for an elderly friend who is not computer/reddit savvy. If an insurance company non-renews a policy due to an "excessive" number of (very valid, very expensive, weather-induced catastrophe) claims, can that policyholder return to that insurance company after a few years when the claims age off of the loss history reports (LexisNexis CLUE and Verisk A-PLUS)? The company listed a claim from four years ago and a claim from this year in their reasoning for non-renewal. Despite my trying to explain that insurance loyalty is not a two-way street, my friend really wants to return to this company later if possible. She has had homeowners, automobile, life, scheduled property, and all sorts of other policies with the same company over more than 57 years. And, up until now, the company has always been good on their service and their claims. For what it's worth, I'm assuming as long as the company is still in business and still offers the policy type (and there are no other major changes in credit, additional losses/claims, etc.) that she'd probably be able to sign back up in 3-7 years when the claims fall off the reports... but any insight would be appreciated... [link] [comments]  |
| Dental office been billing for PPO but I have HMO Posted: 27 Oct 2020 11:29 PM PDT I live in Florida. I am not very experienced with insurance, most my life I haven't had dental insurance so when I finally became eligible for dental through my employer I opted for an HMO since I was hoping to pay less overall even if it meant I sacrificed flexibility in who I could see. This year I've had a deep cleaning, root canal, and crown and I've often felt I was paying much more than I ought to but I chocked it up to the fact the procedures weren't simple preventives. Open enrollment is right now and I was considering whether I should opt for a PPO this time or stay HMO and was looking over some of my previous dental bills and I can't believe I didn't see it before... I've been billed this whole time for PPO when I in fact have an HMO. Who do I contact first? Insurance company or the dentist? I'm hoping I might be reimbursed if I over payed. Have had this insurance all year at this point. For root canal and crown I paid $940 but by my calculations, according to my summary of benefits I should only have paid $597. Please help [link] [comments]  |
| Posted: 27 Oct 2020 06:31 PM PDT 2 adults, 2 kids with no pre-existing conditions (1 teen, 1 baby). Currently on a Blue Cross HMO plan since there are no longer any PPO plans in Texas. I don't know if we're getting fleeced or not, so I'm wondering if it would be a good idea to get emergency coverage and just pay cash everywhere we go and generally not use our plan for most things. Our rate is going up to $1350 a month. We qualify for no discounts. It's a high deductible bronze plan ($8550 individual, $17100 family). Last year was the first year I'd ever hit my high deductible and OOP maximum, giving birth ($25k billed to insurance just for me, not for my doctor or the baby's bill). I have no idea what the cash price for something like that would be. We spent $16k in premiums last year, and $10k for care. Insurance was billed $113k, $50k network discount and $27k payments, $25k coinsurance paid (leaving the $10k we paid). I assume that using our insurance last year was a good idea because of those high amounts (birth and 1 surgery). Assuming this year I won't be having $25k birth or $22k surgery or $5k baby born fee, would dropping down to a plan that is accepted by nobody (Ambetter for $800 a month) and paying cash everywhere be a reasonable thing to do? [link] [comments]  |
| Dental treatment and insurance payment - Texas (USA) Posted: 27 Oct 2020 05:00 PM PDT I'm afraid this may be the wrong sub to post and if so, please if possible, shoot me in the right direction. August 2018, my daughter was fitted for Invisalign. I had group dental through my company. The total cost of her treatment would be $6k for 24 months of treatment. Cigna Dental PAID $1k as that was the max they covered for Ortho. I made an agreement with the Dental office to pay $1k down and then $4k in monthly payments for 23 months. The length of her treatment plan. January 2020, we changed insurance providers. I received a call from the dental office that they were going to submit the remaining balance to the new insurance (MetLife) to see if MetLife would cover any of it. She said sometimes they(the insurance company) will. The remaining balance was $1400. MetLife agreed to pay the remaining balance of $1400. I was told to continue paying my monthly payments (they are auto-deducted) and that each month, they would submit the claim to MetLife. She then said, it will just credit your account and eventually you'll receive the credit balance. Every month now since February, I have been sent explanation of benefits from MetLife, letting me know they paid a claim to the ortho office. This is the breakdown that I came up with. Treatment plan $6k Cigna Paid $1k (this is confirmed - they paid the claim in full) I paid $1k towards the balance originally and $4k in monthly payments. MetLife paid $1400. (This is confirmed - they paid the claim in full) Total paid to Orthodontist: $7400 The dentist office has received $1400 more than the contracted total for the treatment. My daughter didn't receive any further treatment than what was contracted and agreed upon. 24 months at a total of $6k. I called the dentist office now that the balance is paid in full and treatment has ended asking about a credit balance. She stated that the insurance claim went towards treatment. Well duh. Ok but what did the money I paid all year go to? What about the payments I made up to $1400 go to? And I was told 'towards the treatment plan'. My opinion: the Dentist office banked $1400. They contracted with me for $6k and then received an additional $1400. I think this is wrong. Either I should receive a reimbursement for paying more than my patient responsibility or they should give the money back to MetLife. I don't think the dentist office should get to bank $1400 because of a loop hole with me changing insurance companies mid treatment. Any advice or insight? [link] [comments]  |
| Posted: 27 Oct 2020 08:31 PM PDT So, when I first signed up with progressive, my insurance was $113 a month. The six months was up, I went to re-enroll. I had no accidents and no speeding tickets in the 6 months I was with them and I always paid on time. I was expecting my rate to go down. And what do they they tell me? My monthly rate is now $165, and they want $270 for the first month. What the hell?! Why is this? [link] [comments]  |
| Posted: 27 Oct 2020 04:01 PM PDT Hey all! This is quite long but I am at a bit of a loss as to what to do. I am from Texas. I had an accident in May 2019. I took it to a shop that was recommended to me by a friend. The shop took 5 months to fix the car. During this time it was clear something very shady was going on I let my adjuster at the time know I didn't trust them and I suspected fraud as they lied multiple times. The adjuster ignored my calls and emails. The car was given back to me allegedly repaired and things didn't feel right. None of the sensors worked and it didn't drive or sound right. I filed a report with the NCIB and the TDI against the shop and never got a response. Fast forward to a few months ago and I was in a small accident. I took it a reputable shop: there I was told the car major un repaired damage from the previous accident. It was clear the first shop committed body shop fraud as nothing was replaced. The car was literally bondoed back into place, one of the panels had a license plate bondoed to it. (This is a 2017 car that goes for $80k new) . My new adjusters are super nice and have been super helpful. Eventually adding up prior damage ($60k) and the damage from the newer accident, they determined my payout was going to be $11k. The ACV is $29k but because of unrelated priors and what the bad shop was paid to repair or didn't fix it brought my payout down to $11k. I owe $32k so I'm super upside down. I am trying to find a better attorney than the one I had to go after the shop but in the meantime I will be upside down $20k. My last attorney didn't want to take the case since it could take years to go to court and it may be difficult to collect at all (what the last attorney told me). I am definitely going to pursue criminal charges against the shop. Can someone who is an adjuster here help me understand why the payout went down to $11k. That is much lower than salvage value which is in the low $20k for my type of vehicle. Unfortunately I can't salvage it myself because the bank has a lien on the title. [link] [comments]  |
| Posted: 27 Oct 2020 07:44 PM PDT My fiancé just received a court letter in the mail for an unpaid bill from Fredericksburg, VA. The bill totals $450 for a visit we had taken our newborn son to. At the time she was covered with Medicaid and to my knowledge our son goes under her insurance and she called them to tell them. So at the time of visit, she had insurance and he should have been covered. We ended up moving states a week later and since Medicaid is by the state she had to cancel and register under the new state. Has anybody been in this situation? I'm not sure how the process for this would work out and if her insurance screwed her over and didn't pay? Is it possible that they didn't charge her until after we moved and she changed to the new state? If so, would she be reliable or should it still be covered since she had it at the time of the visit? [link] [comments]  |
| Accident on co-insured car. Will it go on both our records? Posted: 27 Oct 2020 06:28 PM PDT So my fiancee got in a minor fender bender with only cosmetic damage to a jeep. Cost to repair the other party's car is between $300-$500. For reference, she is 29 and I am 31. Initially when we bought the policy, I was listed as the named insured because I have an excellent driving record which saved us money. She is co-insured on the car, which we own together. I have another car which my parents pay the insurance for. I am worried that if she files a claim for the fender bender, then it will go on my insurance record, and raise the rates that my parents pay for my car. For reference, the car we co-own is through Geico, and my parent's car is Amica. Will her accident go on both of our records since I am the named insured, and possibly raise the rates that my parents pay on my car? It may be preferable to just pay out of pocket to avoid the double whammy and both of our rates go up in the future. Thank you for reading! [link] [comments]  |
| Posted: 27 Oct 2020 06:26 PM PDT What determines who should be a named insured and what types of policies can/should be written for a "land contract" purchase? I've seen 3 types of deeds registered with our county here in Michigan: The prior owner is the only one listed on the deed. Land contract holder is not on the deed at all. The land contract holder (tenant) is the only party on the deed. Both parties are listed on the deed. From what I can see there are different types of Land contract agreements. Do these agreements change how we should insure the home? Does the deed matter? (I feel crazy even asking this) Michigan agents, when do you write an HO3 for the land contact holder vs. Dwelling Fire for the prior owner + a tenant policy for the land contract holder? [link] [comments]  |
| Posted: 27 Oct 2020 08:14 AM PDT |
| Posted: 27 Oct 2020 05:33 PM PDT Should I get GAP insurance via the dealership, or pay for it via my insurance company with their offering that is like GAP insurance, but isn't called GAP insurance? I have heard that people in the industry buy the one at the car dealership, b/c they know that buying it via the insurance company is not a good idea. Just looking for insights as to why that might be, and whether it is even true. [link] [comments]  |
| I visit DE alot but, mostly stay in NY. Questions on insurance/registration. Posted: 27 Oct 2020 04:23 PM PDT Alright so, basically I'm planning on buying a car in a few months and I'd like to take advantage of the fact that I'd have waaaay lower costs of insurance if I do it in Delaware. I currently have a NY license because I'm mostly in NY. Is it possible to register a car using my family members adress in DE with my NY license and still drive it in NY (like 90%). Keep in mind my main goal is cutting my insurance rate from like 2.2k/6 months to 1k. Also, I don't want to defile my car with a front plate. What obstacles might i face? [link] [comments]  |
| Posted: 27 Oct 2020 04:05 PM PDT Hey all, Hope all is well! I've been with Geico for 30 years. In 2015 when my wife passed away, I had an insurance lapse of less than 30 days. I immediately saw my rates skyrocket. My last accident was a minor one in 2012, and another in 1999. My record and sons have only one moving violation. None the less, I am paying $1500 for a 2004 Chrysler Pacifica worth only 1000$. I am frustrated and need advice on how to apprehend this considering Geico has not paid any money to me or another person since the minor 2012 accident. Kindly Hopeandbelieve [link] [comments]  |
| Auto claim time deadline-Illinois Posted: 27 Oct 2020 03:51 PM PDT Hello, I had a unique situation 3 years ago where someone fell on the hood of my car from a 2nd story balcony. Luckily the person was just a little bruised and I popped the big dent out of my hood to make the damage a little less noticeable. I never filed a claim because I was lazy and didn't want to pay a deductible. My question is that with new insurance (full coverage) and 3 years later, can I still file a claim and potentially cash out? Would this make my premiums go up? Could I just say this is something that recently happened? Thanks in advance. [link] [comments]  |
| What is the cheapest insurance to get for a moped when you are a new driver? I AM STUMPED Posted: 27 Oct 2020 03:13 PM PDT Hey, I am a new driver and in N.C. it is required by law to get liability insurance for a moped and I am STUMPED!! I have looked and looked and well everything is expensive and I'm already paying a lot as it is for rent and etc. The moped is 50cc new model. I wish N.C. wasn't so frustrating with this. [link] [comments]  |
| Condo HO6 Insurance, how the heck do I know how much I need to cover the full walls in value? Posted: 27 Oct 2020 03:08 PM PDT I'm in escrow for a condo in Los Angeles County, California, and I'm not sure how much I want to cover... it seems like 20% of the Sell value is the "minimum", but what happens if something like a fire happens and I want to make sure the whole "walls in" is actually covered.. how are you guys calculating what to cover??? For reference the sell amount is $600k. Thanks for any help! [link] [comments]  |
| Claim Made on Master Condo Insurance: Implications for Future Premiums? Posted: 27 Oct 2020 02:54 PM PDT A contractor recently had an accident and damaged our condo building. Our property manager immediately made a claim with our master policy. Contractor's insurance will cover the cost of the damage. Just got notice of our 2021 rates and insurance agent said we are lucky it didn't go up more than it did since we have an open claim. Even though in the end our insurance company won't have to pay for this, could this claim lead to higher rates in 2022 onward? I'm asking since for auto insurance, I believe that not-at-fault claims don't raise one's rates. However, this is property insurance so don't know if things are different. Thanks. [link] [comments]  |
| Umbrella insurances... thinking of getting one and have a question... Posted: 27 Oct 2020 12:47 PM PDT [TENNESSEE] So I have been considering getting an Umbrella insurance as we have a rental property, two twin rambunctious 6 yr olds and thinking of getting another rental investment property... Did some research on what it doesn't cover and came across this: Damage that you or a covered member of your household cause on purpose. If you deliberately pushed your party guest down the stairs, umbrella insurance wouldn't cover the costs of the lawsuit or judgment (and neither would your homeowner's insurance). So if in the scenario where let's say one of my 6 yr old purposely shoves a neighbor's child off a trampoline (it could be anything) and that child breaks some bones and needed to be hospitalized, the umbrella insurance wouldn't cover me if my neighbor should sue me and win?? [link] [comments]  |
| You are subscribed to email updates from All Things Insurance. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment