Claim denied due to no pre-authorization, out 8L, need help ….

Pretext: This was in California, the insurance is with Independence, and it’s for a hospital stay 2 years ago. I understand I am way over the 180 days appeal limit, but wanted to see what my options are now. I called Independence and they told me the claim was denied due to no pre-authorization, but there’s a process called “retro-pre authorization” that I can still go for. However, the provider/hospital must initiate the process. Yet, when I contacted the hospital, the lady told me she’s never heard of such a process, and that I should have the insurance company/Independence contact her directly. Is this true? If only the hospital can initiate this process – should i get the insurance company on the line and have a conference call with the lady to walk her through this?

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Would really appreciate if someone who has shared this experience can provide some insights on this. It’s such a shock bill (we moved from the old address shortly after the hospital stay, but had informed the hospital, but i guess the bills were still sent to the old address.), and I’ve been relentlessly saving up these couple years to go to grad school. Would hope this doesn’t derail my path πŸ™

submitted by /u/reverze1901
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Pretext: This was in California, the insurance is with Independence, and it’s for a hospital stay 2 years ago. I understand I am way over the 180 days appeal limit, but wanted to see what my options are now. I called Independence and they told me the claim was denied due to no pre-authorization, but there’s a process called “retro-pre authorization” that I can still go for. However, the provider/hospital must initiate the process. Yet, when I contacted the hospital, the lady told me she’s never heard of such a process, and that I should have the insurance company/Independence contact her directly. Is this true? If only the hospital can initiate this process – should i get the insurance company on the line and have a conference call with the lady to walk her through this? ​ Would really appreciate if someone who has shared this experience can provide some insights on this. It’s such a shock bill (we moved from the old address shortly after the hospital stay, but had informed the hospital, but i guess the bills were still sent to the old address.), and I’ve been relentlessly saving up these couple years to go to grad school. Would hope this doesn’t derail my path πŸ™
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