Legal immigrant. Have insurance through my spouse. Claims are getting denied

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Hey guys,

I’m an immigrant on a spouse visa which means I can’t work currently. And therefore am ineligible for an SSN.

I should’ve applied for an ITIN (An Individual taxpayer identification number) this year. But while applying for an ITIN, you’d need to mail your original passport to the IRS or have it certified by an IRS acceptance agent . Due to COVID, all IRS certifying acceptance agents were closed. Which meant that I’d have to send in my passport to the IRS. Which is something I wasn’t willing to do. So I’m applying for the ITIN this April instead. What I didn’t know was than an SSN/ITIN was required for health insurance! Because they’d never asked. And my dental insurance claims had gone through perfectly with no problems at all!

A couple of months ago, my insurance sent me a form asking for either my SSN/ITIN. I asked them what if I didn’t have either. They asked me to fill out a CMS waiver form. Stating why I didn’t have either of the documents. I filled out the form and sent it out.

Fast forward a couple of months and I have to visit the doctor. I go in twice and pay my co-pay. When suddenly I’m hit with a bill for $500. I call my insurance company and tell them that I’ve filled out the waiver form. The rep says “we do have the form, I’ll make sure these are processed”. I think all is well.

However next month, the statement comes back to me. I speak to a different rep, who tells me they can’t process the bills without an SSN/ITIN on file. And my only options are either to pay the statement and claim member reimbursement once I have the ITIN. Or speak to the clinic, tell them I’m corresponding with my insurance company and request them to put the bill on hold.

I will file an application for my ITIN this April and assuming all goes well, I’d probably have the ITIN with me in a couple of months. So probably June. I’d rather not pay out of pocket, seems like claiming that reimbursement will be a nightmare. Looking for advice on what I should do. Will asking for the bill to be kept on hold affect my future appointments with the provider?

submitted by /u/Plliar
[link] [comments]
Hey guys, I’m an immigrant on a spouse visa which means I can’t work currently. And therefore am ineligible for an SSN. I should’ve applied for an ITIN (An Individual taxpayer identification number) this year. But while applying for an ITIN, you’d need to mail your original passport to the IRS or have it certified by an IRS acceptance agent . Due to COVID, all IRS certifying acceptance agents were closed. Which meant that I’d have to send in my passport to the IRS. Which is something I wasn’t willing to do. So I’m applying for the ITIN this April instead. What I didn’t know was than an SSN/ITIN was required for health insurance! Because they’d never asked. And my dental insurance claims had gone through perfectly with no problems at all! A couple of months ago, my insurance sent me a form asking for either my SSN/ITIN. I asked them what if I didn’t have either. They asked me to fill out a CMS waiver form. Stating why I didn’t have either of the documents. I filled out the form and sent it out. Fast forward a couple of months and I have to visit the doctor. I go in twice and pay my co-pay. When suddenly I’m hit with a bill for $500. I call my insurance company and tell them that I’ve filled out the waiver form. The rep says “we do have the form, I’ll make sure these are processed”. I think all is well. However next month, the statement comes back to me. I speak to a different rep, who tells me they can’t process the bills without an SSN/ITIN on file. And my only options are either to pay the statement and claim member reimbursement once I have the ITIN. Or speak to the clinic, tell them I’m corresponding with my insurance company and request them to put the bill on hold. I will file an application for my ITIN this April and assuming all goes well, I’d probably have the ITIN with me in a couple of months. So probably June. I’d rather not pay out of pocket, seems like claiming that reimbursement will be a nightmare. Looking for advice on what I should do. Will asking for the bill to be kept on hold affect my future appointments with the provider?
submitted by /u/Plliar [link] [comments]Read Morer/HealthInsurance

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