Do I have any grounds to file a dispute with my insurance company over this $1,000 ER bill? Insurance |
- Do I have any grounds to file a dispute with my insurance company over this $1,000 ER bill?
- Best option for engagement ring insurance?
- Recommendation on switching car insurance
- Condo Insurance Master Policy Coverage Limit
- What is the best bang for buck Medicare plan in Massachusetts?
- Health insurance for 1 week
- U-Haul Insurance
- Paying back benefits not deducted from paycheck?
- Can I settle my claim over the phone preventing the insurance company making my car a salvaged title?
- Progressive closed my claim - asking me to set up claim payment
| Do I have any grounds to file a dispute with my insurance company over this $1,000 ER bill? Posted: 27 Jan 2022 12:05 PM PST My employer offers insurance through a major insurance company and the benefits are typically pretty great. My insurance card states standard doctor visits area $20 copay, urgent cares are $40, and ERs are $150. Mid-December I was at the gym doing seated calf raises with 225lbs of plates. It's basically a chair you sit on with an elevated footrest and you press your feet against it so you're raising the weight up with your calf muscles. The support lever slipped out of place while my legs were not braced for the weight, and essentially the 225lbs crushed my legs and both my ankles snapped upward 90 degrees. I was almost positive I had broken them both. My ankles were numb and tingling, and I could barely walk out of the gym. I knew my urgent care facility wasn't able to do X-rays, so I figured hey, $150 isn't bad for peace of mind, I'll stop by the ER. In and out in an hour, clean x-rays, was told I just got a bad sprain and was given prescription ibuprofen and sent home. Earlier this month I received the $150 co-pay bill and paid it, and a bill from the radiology department and paid that also, and thought I was good to go. Today I got an explanation of benefits from my insurance company stating I owe the hospital $996. Under the breakdown, it shows minor amounts due for each x-ray, and then $150 co-pay and $695 deductible for the hospital visit itself. I figured this was a mistake, so I made calls to the hospital, which redirected me to my insurance company, which redirected me to my employer's benefits center, and then back to the insurance company again (the first person apparently was just trying to shrug me off, lol). TL;DR -- they are claiming the $150 co-pay for ER visits (as stated on my insurance card) is only after my deductible has been met, and that they only cover 25% of ER visits until the deductible has been met. I think my deductible is $800. Maybe I'm naive, or missing something, but to me this makes zero sense. If my insurance card states ER visits are $150, then why is it not made clearer to me that there are also additional deductible charges? I explained that whenever I go to a doctor for regular visits I only owe $20 and never receive additional deductible charges, and she told me this is because my insurance covers independent practices 100% but hospitals only have 25% coverage. Something just seems...wrong. It seems like deceptive business practices and very misleading to literally state on the insurance card $150 ER visit and then find out after the fact that this is not the full story. So I guess my question is... do I have any grounds to file a dispute? It says I have 10 days to do so. Or am I just really naive / misunderstanding something that is common practice for insurance companies? I'm trying not to seem bitter or angry, but man, it's a huge shock to think you paid all your bills and only owed $150 and then suddenly get a bill for $1,000. That's a huge difference, and I'm just kind of infuriated about it tbh, but I'm trying to remain cool and not be impulsive. Was hoping for unbiased, honest feedback here / suggestions on whether I have any grounds for a dispute. Thanks! [link] [comments] |
| Best option for engagement ring insurance? Posted: 27 Jan 2022 11:49 AM PST I currently have a personal articles policy from State Farm. For $60 a year it covers my fiance's engagement ring and both of our wedding rings. Would I be better off keeping this policy or adding a rider to our new Amica renter's policy? [link] [comments] |
| Recommendation on switching car insurance Posted: 27 Jan 2022 11:33 AM PST I've been with Geico for almost five years. I recently noticed that they have been slowly increasing my rate the past couple years. I started out around $620 a year, and it's now up to $814 a year (no accidents, no tickets, no nothing). When I called they told me there's nothing they can do, and that it has to do with increasing costs, etc. I went around getting quotes and so far the cheapest for comparable coverage is Progressive, at roughly $612 a year. Of course all the reviews I've read are horrible. Then again, so are reviews for nearly every insurance company I look at, so I'm at a loss. State Farm was a close second (more expensive than Progressive, cheaper then Geico). Any recommendations or suggestions are greatly appreciated, thanks. [link] [comments] |
| Condo Insurance Master Policy Coverage Limit Posted: 27 Jan 2022 11:26 AM PST Hi all, I reviewed my condo's policy declaration and the annual coverage limit is well below the value of the homes. Is this abnormal? [link] [comments] |
| What is the best bang for buck Medicare plan in Massachusetts? Posted: 27 Jan 2022 11:22 AM PST |
| Posted: 27 Jan 2022 11:05 AM PST I'm considering leaving my job with a major software company to work at a different software company. Ideally, I'd like to give a 2-week notice, take a week off, and then start the new job. After contacting my current health insurance company, I'm told that my health insurance would end on the day my employment ends with my current company. What do people do in this situation? Is it possible to get health insurance for a week? Do people simply run the gauntlet? Could I plan a trip and travel for a week and get travel insurance? Any advice is appreciated. Thanks! [link] [comments] |
| Posted: 27 Jan 2022 10:52 AM PST Hi All, To keep things short, I drove a U-Haul and accidentally backed into another car's bumper. The paint on the bumper came off and the bumper was slightly misaligned but that was the extent of it. I provided the driver my DL and UHaul insurance, I received a letter from UHaul insurance requesting for my auto policy details. Is this necessary? Message from UHaul insurance: "Please also provide us with the name and number of your personal auto insurance carrier so that we may discuss the coverages that you have available under each policy. If you do not have a personal auto policy, please call the undersigned as soon as possible so we can initiate the handling of the claim." [link] [comments] |
| Paying back benefits not deducted from paycheck? Posted: 27 Jan 2022 10:44 AM PST I'm an educator who recently transferred from one school to another in the same district (signed my contract last May, started work in August). At my old school, I always received paper checks, but now I've got direct deposit, and I never got any information about how to set up access to my check stubs through our online portal (I asked a couple of times, but didn't push the issue), so I haven't been reviewing them. The amount of my paycheck has been about what I'd expect it should be, though, so nothing seemed off there. Unfortunately, it turns out that my old school forgot to notify district HR that I'd transferred, and they didn't realize they were still paying my health insurance premiums until this month. In addition, my benefits have NOT been being deducted from my paychecks, and the reason the paycheck amount seemed fine to me was because my tax withholdings have -- inexplicably -- more than tripled. I was contacted by district HR about this issue about four weeks ago and told that I'd have to pay back nearly $5000, and I'd hear back from them soon to find out more, but I haven't heard anything since. My benefits were deducted from my most recent paycheck, though. I'm planning on following up with HR to figure out what the heck, but I'd like to have some idea of what to expect before I do. Here are my questions:
[link] [comments] |
| Posted: 27 Jan 2022 10:29 AM PST California. Here's what's up: I have a 1999 car that runs great. I was rear ended and the back tailgate is smashed in with other body damage. The car still drives, but is very obvious it was in an accident. Also the back shock is now stiff, so the car rides pretty rough. Still drivable though, definitely. I know damn well that if I take it to their body shop, the insurance company will quickly determine that the cost of repairs are far more than my car is worth. Then they'll say it's unsafe and give me a whopping 2k for it, and then I'm without a car. My question: Can I prevent them from labeling it a salvaged title? That way I can still drive it? Like give them a call and say "Just give me 2k for the damage to the car, don't access the car, and that portion of the claim will be settled." A tow truck is coming later today to come get my car, and I don't want them to get it. [link] [comments] |
| Progressive closed my claim - asking me to set up claim payment Posted: 27 Jan 2022 10:02 AM PST So I have a motorcycle policy with progressive that includes comprehensive and collision (no deductible). The bike was parked in a parking deck for winter and someone pushed it over, damaging it. My claim rep called me the day of the claim and I haven't heard back since it happened 2 days ago(called and left 2 voicemails). I had someone call me this morning with a summary of the damages from the photos I sent them and we set up a shop to do repairs. However, I checked my claim and it is currently closed and I got an email to set up claim payment. I don't want to accept this payment when I haven't even had the bike towed to the repair shop or anything done. I was wondering if this is maybe for diminished value or something. I have never really done many insurance claims so any insight would be appreciated. [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