A few months ago I was involved in a bike accident in CA....4 days in hospital, nothing much medically afterwards. The hospital was out of network, but this was an accident.
So the insurance pay everything they are going to pay....they did it in one of 3 ways:
1. Paid virtually everything, leaving me a small amount to cover.
2. Paid what they were going to, negotiated down the balance to something reasonable (the "adjustment") and left me a reasonable co-pay.
3. Paid some, did no negotiating apparently (there was no "adjustment") and left me with a big lump to pay.
Now, I have $1000 on the bike insurance to cover extras, but it still leaves something like 3-4000 (I haven't got it all in front of me).
Apart from the obvious "pay up", is there any way to dispute the amounts...they do seem excessive...for instance:
Ambulance, 26 miles, 1,763.00. Ins paid 1,184, leaving 578.60
Admission doc: 4 visits, $2,700, Ins paid 605.50, leaving 2,094.50
...there are several others....
Now I have written to the 5 of them and said look, the Ins company has paid up and I have paid the proper co-pay, you are simply overcharging, please adjust your charges, but that has had no effect. They have simply handed it to medical bill collectors. What avenues do I have to escape these leeches?
So the insurance pay everything they are going to pay....they did it in one of 3 ways:
1. Paid virtually everything, leaving me a small amount to cover.
2. Paid what they were going to, negotiated down the balance to something reasonable (the "adjustment") and left me a reasonable co-pay.
3. Paid some, did no negotiating apparently (there was no "adjustment") and left me with a big lump to pay.
Now, I have $1000 on the bike insurance to cover extras, but it still leaves something like 3-4000 (I haven't got it all in front of me).
Apart from the obvious "pay up", is there any way to dispute the amounts...they do seem excessive...for instance:
Ambulance, 26 miles, 1,763.00. Ins paid 1,184, leaving 578.60
Admission doc: 4 visits, $2,700, Ins paid 605.50, leaving 2,094.50
...there are several others....
Now I have written to the 5 of them and said look, the Ins company has paid up and I have paid the proper co-pay, you are simply overcharging, please adjust your charges, but that has had no effect. They have simply handed it to medical bill collectors. What avenues do I have to escape these leeches?