I moved to the USA (Boston) from Canada to start a job in September 2021. I took some travel insurance from IMG for the 1st 2 weeks before my work’s health insurance kicked in.
Unfortunately I got sick with a UTI and had to visit Urgent Care. I checked my insurance to make sure I went to somewhere within the network etc. I gave all my insurance information prior to seeing the physician’s assistant. Anyways, they did a bunch of unnecessary test that I did not even want/need but I was scared, sick and in a new country. My fault I guess.
A couple of weeks later I get a bill for nearly $2000 saying I am uninsured which I was confused about since I gave them all the information. This is the start of a bunch of back and forth between IMG and the provider.
1)October: I called the provider. They “corrected” the insurance information and paused my bill
2)December: I get another notice of a bill saying I am uninsured. I call IMG and they say I am missing patient information from the provider. I set up a 3 way call with IMG/provider/myself. We “sort” out what is needed. Essentially the insurance people said they would FAX over a request for my patient information and I was told to wait 30-40 business days.
3)March: Surprise I get another bill. Still no coverage. I call IMG, they say they don’t have my patient information. Ask me to fill out this form from the provider to give them access to my patient files. I do that and send everything over. Told to wait 30-40 business days again
4) May: Bill comes back again. No coverage. I call IMG and they once again say they need information from the provider. I call the provider and they said that IMG did not cover due to lacking information from the patient. The provider person tells me to call IMG again to set up a 3 way call to hopefully sort out what is actually needed to get this covered. Now I have called IMG for 3 straight days and cannot get access to anyone who can help me. I am told to give a call back number and the next available agent will call me back. I have done this multiple times and I never get a call back. I have no idea how to reach the insurance anymore.
So essentially, my claim is getting denied/pending due to some lack of information either from myself or the provider but no one can tell me exactly what I am missing. I am on the last notice for my bill.
Do you guys have any suggestion on what to do. Do I keep calling IMG and pray I finally can get someone to help me? I fear once I do get a hold of someone, the same cycle will happen again. They tell me something, fill out something, etc… then wait 30-40 days. And then once again I will be told there is missing information. Should I just pay the bill and hopefully I will get reimbursed?
This is absolutely ridiculous that I am being lead around in circles for this. And also $2000 for an urgent care visit for antibiotics. Common USA… this is messed up.
submitted by /u/tiredofthis1616
[link] [comments]I moved to the USA (Boston) from Canada to start a job in September 2021. I took some travel insurance from IMG for the 1st 2 weeks before my work’s health insurance kicked in. Unfortunately I got sick with a UTI and had to visit Urgent Care. I checked my insurance to make sure I went to somewhere within the network etc. I gave all my insurance information prior to seeing the physician’s assistant. Anyways, they did a bunch of unnecessary test that I did not even want/need but I was scared, sick and in a new country. My fault I guess. A couple of weeks later I get a bill for nearly $2000 saying I am uninsured which I was confused about since I gave them all the information. This is the start of a bunch of back and forth between IMG and the provider. 1)October: I called the provider. They “corrected” the insurance information and paused my bill 2)December: I get another notice of a bill saying I am uninsured. I call IMG and they say I am missing patient information from the provider. I set up a 3 way call with IMG/provider/myself. We “sort” out what is needed. Essentially the insurance people said they would FAX over a request for my patient information and I was told to wait 30-40 business days. 3)March: Surprise I get another bill. Still no coverage. I call IMG, they say they don’t have my patient information. Ask me to fill out this form from the provider to give them access to my patient files. I do that and send everything over. Told to wait 30-40 business days again 4) May: Bill comes back again. No coverage. I call IMG and they once again say they need information from the provider. I call the provider and they said that IMG did not cover due to lacking information from the patient. The provider person tells me to call IMG again to set up a 3 way call to hopefully sort out what is actually needed to get this covered. Now I have called IMG for 3 straight days and cannot get access to anyone who can help me. I am told to give a call back number and the next available agent will call me back. I have done this multiple times and I never get a call back. I have no idea how to reach the insurance anymore. So essentially, my claim is getting denied/pending due to some lack of information either from myself or the provider but no one can tell me exactly what I am missing. I am on the last notice for my bill. Do you guys have any suggestion on what to do. Do I keep calling IMG and pray I finally can get someone to help me? I fear once I do get a hold of someone, the same cycle will happen again. They tell me something, fill out something, etc… then wait 30-40 days. And then once again I will be told there is missing information. Should I just pay the bill and hopefully I will get reimbursed? This is absolutely ridiculous that I am being lead around in circles for this. And also $2000 for an urgent care visit for antibiotics. Common USA… this is messed up. submitted by /u/tiredofthis1616 [link] [comments]Read Morer/HealthInsurance