Comment on “Health insurance runaround with two insurers”, Posted ca. 2018
I’m sorry this is not more timely,–I am an infrequent Reddit visitor. This appears as a new post because Reddit expired that thread too soon.
I had a similar experience quite a few years ago. I had full, paid-for coverage twice over. A provider billed the right portions to each one, by my reckoning, and they paid. Later one of the insurers, that I will call the Mistaken (ahem…) one, changed their mind, demanded their money back from the provider, and got it(!). The provider, having thus enabled the mistake, then of course compounded it by trying to collect from me. I reviewed the insurance terms again and stood my ground. I withstood billing reminders for THREE YEARS before the Mistaken insurer relented, agreed that it was their liability all along, and paid. (Odd side note: Both insurers were BCBS franchisees, and if I had simply not bought either policy, the other would have covered everything immediately. The tragedy of errors here ensued from their failure to accurately implement their nearly incomprehensible multiple-indemnity immunity clauses.)
My advice:
If you can wait: If a party is owed money by another party that is not you, wait for the creditor’s motivation to wear down the debtor and spend your time and energy on, say, the pursuit of happiness. If they say you owe and you know better, wait. Getting insurance companies to do the right thing is the full time job of many people, but it doesn’t have to be yours.
If you can’t wait: For example if your credit report is suffering more than you can bear, then I suggest filing an incident with your state’s (Health) Insurance commissioner, or consulting a lawyer.
Good Luck.
submitted by /u/antgaucho
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Comment on “Health insurance runaround with two insurers”, Posted ca. 2018 I’m sorry this is not more timely,–I am an infrequent Reddit visitor. This appears as a new post because Reddit expired that thread too soon. I had a similar experience quite a few years ago. I had full, paid-for coverage twice over. A provider billed the right portions to each one, by my reckoning, and they paid. Later one of the insurers, that I will call the Mistaken (ahem…) one, changed their mind, demanded their money back from the provider, and got it(!). The provider, having thus enabled the mistake, then of course compounded it by trying to collect from me. I reviewed the insurance terms again and stood my ground. I withstood billing reminders for THREE YEARS before the Mistaken insurer relented, agreed that it was their liability all along, and paid. (Odd side note: Both insurers were BCBS franchisees, and if I had simply not bought either policy, the other would have covered everything immediately. The tragedy of errors here ensued from their failure to accurately implement their nearly incomprehensible multiple-indemnity immunity clauses.) My advice: If you can wait: If a party is owed money by another party that is not you, wait for the creditor’s motivation to wear down the debtor and spend your time and energy on, say, the pursuit of happiness. If they say you owe and you know better, wait. Getting insurance companies to do the right thing is the full time job of many people, but it doesn’t have to be yours. If you can’t wait: For example if your credit report is suffering more than you can bear, then I suggest filing an incident with your state’s (Health) Insurance commissioner, or consulting a lawyer. Good Luck.
submitted by /u/antgaucho [link] [comments]Read Morer/HealthInsurance