I have a medical bill that was never submitted to insurance, it's now in collections for the amount of $1100 and insurance says it is too late to submit a claim. What are my options?
The hospital states it never received the insurance information, and insurance never received any claim.
That's awful. Have you spoken with the service provider? Generally, they just want to get paid and the process is much simpler without involving collections. Also, consult with your legal advisor.
Do you agree with the bill amount? If not, discuss this also.
Feel free to contact us directly.
It's not what you make, It's what you keep that determines your lifestyle | 04.24.16 @ 19:47
Since I am not the agent for your health policy I can’t give you a specific answer, but I can give you some general information. First, don’t let this slide. Delinquent medical bills will definitely hurt your credit score. Second, if you haven’t done so already, fill out and submit a claim form with the insurance company for this medical bill. This problem may just be a lack of communication between the medical provider and the insurance company. Your filing a claim will get you a formal determination as to whether there is coverage or not. Don’t just rely on a verbal statement that it is too late to file. If it turns out that there really is no coverage, contact the medical provider. Offer to pay the bill in installments if you must. If you have the money, offer to pay in full if they will give you a discount. I hope this helps. Good Luck! | 04.26.16 @ 13:23
Seems a bit far fetched from the hospital as I don't know of any hospital that doesn't ask for your insurance information up front. The hospital should have also been billing you and contacting you about this within 30 days of your date of service. Most health insurance companies will process a claim submitted up to and between 6 months and a year. How long has this bill gone on?
If you were not proactive when you were sent bills, this falls on you to pay. If the hospital did not contact you with this problem, it falls on them. Many hospitals under staff their accounting offices and they sometimes are very late to bill. If that is the case, you can politely argue that you are not responsible for their staffing and processing problems. Been there, done this and won this before.
Be polite, be calm, ask questions. If it's on the Hospital they will usually eat the bill. | 04.26.16 @ 19:25
Dejaroo should also speak with the hospital and find out why a claim was never filed (Did he really not present any insurance information to it?). Also, why is the hospital just now coming to him with a bill? Most insurance companies give one up to a year to file a claim. I cannot believe the hospital waited a year to tell the patient he owes. I do know that the insurers will not normally accept a medical claim from service providers if a year has passed since the service was provided. Dljaroo should have known something was wrong when he did not receive an Explanation of Benefits from his insurer within a couple of months from the date of service and checked as to why. Something is not right and he should find out exactly what happened. | 04.26.16 @ 21:09