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Insurance co. won't finish payment

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lori67:
jb -

As long as you make a monthly payment to the hospital - any amount - even $1 - they can't turn your account over to collections or report anything negative to the credit bureaus.    The also can't charge interest.  If I were you, I'd send them $20 to keep them happy and let them know you intend to pay, but I'd keep that $1500 in my pocket!

I had a $1000 copay for my surgery because my doctor is out of network - I could have paid it off, but they get their $20 a month and I am free to use the rest for other things - like credit card bills or something where the interest would rack up if I didn't pay it off.

This may be different in some states, but in the 4 states I've lived in, that was how it was.

When you talked to the insurance company, did you talk to a supervisor?  I always insist to speak to a supervisor and then make sure I get their full name and extension.  That way they know if things don't get cleared up, I have their name as the person who was supposed to be accountable.

Good luck.  As if none of us had been through enough already - we have to fight with the insurance companies too!

Lori

mema:
Jb,


I know for myself and my husbands medical bills, sometimes we had to go back to the medical facility in person to get better results and correction.  I know it was an out of town bill, but if it isn't too far it might make a difference to go in person. 




mema

jb:
Thanks for all the advice.  I think it is f-i-n-a-l-l-y getting worked out.  My problem was strictly with the insurance company.... I have a high-deductible policy with a max out-of-pocket of $5,000, but they completely ignored that and charged me over $26,000.   $26,000 was remaining after they had already adjusted and paid at 50%!   Anyway, I think I finally got through to the right person today (after 4 transfers).  She had to put me on hold to talk to her supervisors for 30 minutes, but seems to finally understand the issue and has worked back through all the claims that need full and partial reprocessing.  She told me to expect something in 7-10 days and I did get her name and department so I can call back if necessary.  I feel like things are at least heading in the right direction now.  :)

sgerrard:
jb:

That is good news. No one suggested that the process is neat and tidy and quick, so delays and reprocessing and so on are to be expected. But, if they have acknowledged the problem, it seems to me they will end up making all the adjustments. You may still get dinged for a bit more than you expected, but at least you should end up back at 4 figures, not 5. Stick with it!

Steve

leapyrtwins:
jb -

that's great news!  I'm glad everything is working out.

In my experience, you really have to stay on top of insurance companies.  Mine just paid my doctor's bill from my BAHA surgery, but they did it wrong.  They processed the claim as if the doc was out of my network and showed that I was responsible for approximately $1,300.  It was an error on their part, since he is in my network and in fact, I owe nothing.  They tell me it will take a week to straighten out and adjust the claim, but if I hadn't questioned them the doctor's office would be expecting me to pay.

Jan

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