If you turned your medical bills over to your insurance should he include these costs even if the other person's adjuster wants you to pay medical bills out of the final settlement?
Recovering medical expenses I would consult with an Attorney, otherwise you may end up paying for some of your medical bills out of your own pocket after the final settlement. Insurance companies tend not to play fair, whether it be your insurance or the other parties. And ask people you know if they can refer you to a good Attorney, as oppossed to those who advertise on T.V. A consultation with an Attorney is always free and worth the time. Hope this helps.
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If you have medical insurance at work that pays 80 percent of medical bills can you get additional coverage for the other 20 percent?
Yes and no. There are supplemental insurance programs available - do an internet search for "supplemental insurance." Programs such as these will help pay that remaining percentage - in most cases, a large portion of it at least. Adding supplemental coverage can be a good option. I have an acciden…t supplemental that does exactly what you are asking. It will pay up to $5000 per person per year for any expenses related to an accident only that your primary carrier does not pay. This means it will pay for deductibles, co-pays (like your 20%), extra services (your plan only pays for 6 physical therapy visits and you need 10) etc. Because it only pays what your primary carrier does not it is very inexpensive ($30/month for the whole family). If you also want coverage in the event of illness you can also by supplemental products for that as well. (MORE)
Does the other insurance company have to pay for all medical bills if the accident was their client's fault?
Depends on what state you are in and what your state's laws are. If you're in a no fault state, your insurance will pay for all of your medical bills no matter who is at fault.
If you have a medical bill that you forgot to include in your bankruptcy are you still liable to pay for it even if it was done before you file bankruptcy and later found out the insurance didn't pay it?
Yes, it is still considered your debt, even though you have had a bankruptcy discharge. You could try reopening the BK filing and adding the debt on. That however is complicated and expensive. Your best option IMO, is negotiate with the creditor. The Bankruptcy Code says a debt is not wiped out if …it was not listed (see 11 U.S.C. 523(a)(3)), but there is some case law (not applicable in all jurisdictions) that says it IS wiped out in a Chapter 7 case IF it was inadvertently missed, IF the Chapter 7 was declared a "no asset" case, and IF the debt was of the sort that it would have been discharged had it been properly listed. In this situation, one could call their bankruptcy attorney and ask how much it would cost to reopen the case and add the creditor to the bankruptcy. The Court charges a reopen fee of $155.00 and an amendment fee of $26.00, plus the attorney would charge his or her fees to do the work. Then, one could ask the medical creditor how much they would settle the claim for. Whichever is cheaper is probably the best thing to do. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person. (MORE)
If you were in a car accident and the other person was at fault should her insurance pay for your rental car medical bills and all of your repairs?
yes, assuming the are all accident related and she is 100% negligent, and therfore liable/responsible for your damages.......if a specific problem with some of this give more details and i can be of more assistance..... It also depends on whether your state is a "no fault" state or not. In a "no… fault" state, the parties involved in an auto accident are automatically reimbursed by their own insurance company. However, it is still possible for the victim of an auto accident to receive additional compensation for certain damages (i.e. medical expenses, pain and suffering, economic losses, etc.). If the accident victim's auto insurance policy does not cover the amount of damages they've sustained, they may want to consider legal action against the at fault driver. However, this all depends on the state the accident victim lives in and the amount/type of damages sustained. (MORE)
Answer . \nBeing billed for medical services has nothing to do with insurance coverage, your parents or your own. Whether it is legal and appropriate to bill you would depend if you are an adult, if you signed the authorization form taking responsibility for the bill, and whether this was a work…ers compensation claim.\n. \nIf you are of age, you received treatment (not the insurance comapny) and are responsible for the bill. If you are not of age, your parents have legal responsibility to pay. Medical providers file insurance claims as a courtesy. If your insurance policy, or your parents', does not pay, you will have to. The debt would be turned over to a collection agency and would be reported on your credit report.. Answer . It depends, if you had full coverage. Then NO, you are not responsible call you insurance and request a claim form follow the instructions on the form and submitt it, they should cover you medical bills. (MORE)
Answer . \nYes, most Homeowners Ins will pay for acts that you or your animals are Liable for. Most Compainies also include a damage to property to others coverage, in the amount of $500. This is a goodwill coverage that is supposed to keep you from being sued for liability coverage. Call your A…gent or Company Customer service and ask them about those specific coverages. Good Luck.. If they wont be helpful, call your state insurance commissioner and ask them. That will motivate them without "wasting 25 to 40%" paying a lawyer for coverage you already paid for once!. (MORE)
The recipient likely will not care how the bills are paid. You can use any legal funds available to pay any such costs.
Answer . It really depends on the company that you are dealing with. Some companies will not except a settlement but will over to set you up on a payment plan for so many months until the bill is paid off.
If one has an unpaid medical bill is it better to continue to pay the hospital in small increments or accept a settlement pay out with regards to that person's credit?
It is actually better to accept the settlement ab=mount and pay it off because the debt will stay on your credit rating for seven years after it has been paid.
Must you reimburse your insurance company for medical bills paid on your behalf when you get a settlement from the other insurance company even though youve been paying premiums to cover medical costs?
Answer . normaly yes, many people dont. you can wait it out, see if they ever catch on. if not go buy some shoes, if they do, which usually takes at least a year, get ready to return the shoes. eventually the insurance companies settle their explanation of benefits, and find out who owes what.
Help with medical bills i would like to know if my grandson can get help with his medical bills he is 16.the insurance pays on them but he had 2 surgeries?
Answer . Frequently, you can contact the hospitals where the surgeries were performed (provided the bills have NOT already gone into collections) and you can explain the financial hardship. They will have form for you to complete demonstrating the financial hardship that you will need to submit a…long w/ bank statements, income verification, etc. If there is a true need, they may opt to forgive the debts or at least lower them for you. (MORE)
This is a common plight amongst many citizens in the US. There are various agencies (local and state) that provide limited medical benefits to those who are truly 'needy' or 'homeless'. The other things to do is contact the place where the medical bills have racked up and talk to them about how y…ou might make some form of monthly payments. Might mean giving up things at home like the internet, cable tv, mobile phones and the like, but when bills start piling up, matters must be taken to pay them before we can have the other 'luxuries' of life. One needs to understand that the company the provided the medical items is also in business, and as such also has its own bills to pay, including the salaries of the medical professionals who provided the service. In addition, the medical professionals who provide the medical services have spent many long, hard, expensive years in school in order to be able to provide that medical care. Doctors spend at least 10 - 12 years in school and training, and nurses, med techs, physical therapists, etc., spend as much as 2 - 6 years in school and training to be able to provide their services. (MORE)
Depending on the type of accident and sometimes who is responsible but generally yes.. Please, next time, read the fine print of your contract.
if the healthcare provider(billing office) unable to get the charge value from insurance and patient, he just leave it as bad account and this process is called as adjustment.
There's usually some form of public assistance available to those truly in need. If you had to go to the hospital without medical coverage- most state medicaid programs offer what is called a "retro-active" coverage. If you meet the criteria set forth by the state for their medicaid program then in …certain situations they will cover from that date forward. If you do not get accepted most medical provider's will bill you for 90 days then turn you over to collections, which will effect your credit score and can even lead to wage garnishment. Be careful about what types of loans you take out in emergencies. Cashloancity.com seems to be a pretty good option if needed. (MORE)
Cough up the money when your sick. I mean that literally, that would be way much easier!!
For just medical billing and not coding too, it should be anywhere from $500-$800. If you add in medical coding training, it should be $2,000 or under. FIND a reputable school and not one who sells billing software posing as a school. You must be trained well to be successful in this business and if… you wish to work at home, you'll need to buy expensive medical billing software to start the process, so calculate your start up costs into your overall expenditure. The price of these courses can also be cheaper if you choose to take it online as there wouldn't be any other fees (such as computer fees or other extra payments) as you would only have to pay for the course. It is cost effective as well as you wouldn't have to pay for gas or the bus going to the scheduled training compared to studying at home at your own time and pace. (MORE)
I have an unpaid medical bill that has been turned over to a collection agency who is taking me to court. I do not have health insurance and do not have the money to pay. Could I go to jail?
Well.... The court action that the agency has filed against you is a civil not a criminal action. The judgment is to protect the creditor, and in most states, the judgment has to be taken first before any garnishment action. Therefore, no jail. But.. If your going to the doctor was a visit wi…th intent to defraud, you could possibly have charges filed against you but the odds of that are extremely low ! (MORE)
Yes, a medical provider will bill you for the portion of your billthat isn't covered by your insurance company. Normally, you paythis before you leave the office.
Depending on the state, it is likely that you do. However, MOST providers are willing to negotiate a bill. Insurance companies often pay them "reasonable cost of services" based on an average in your region, so why can't you? With bills such as x-rays, MRIs, etc., ask to pay half. Office visits, …and other issues, ask for a 1/3 discount. Many places will deal with you. They price their services with this in mind. (MORE)
There are many factors that may influence your medical billing and coding salary. Your geographic location, for instance, can play a big part in your level of compensation. In areas where the cost of living is higher and the local economy is thriving, salaries may be higher. Where you work will also… make a difference. Whether you work in a hospital, private practice or another kind of establishment will affect you medical billing and coding salary. Your education level and amount of work experience will also determine your earning potential. Because of all the personal decisions and outside factors that shape your compensation, it is difficult to predict what your medical billing and coding salary will be. However, by looking at national human resources data compiled by Salary.com, we can see that the middle 50 percent of medical billers and coders made between $35,999 and $44,562 as of November, 2008. If you want more information about what you can expect in a medical billing and coding salary, there are several resources online that will give you a more in-depth report based on your personal data. There are many factors that may influence your medical billing and coding salary. Your geographic location, for instance, can play a big part in your level of compensation. In areas where the cost of living is higher and the local economy is thriving, salaries may be higher. Where you work will also make a difference. Whether you work in a hospital, private practice or another kind of establishment will affect you medical billing and coding salary. Your education level and amount of work experience will also determine your earning potential. Because of all the personal decisions and outside factors that shape your compensation, it is difficult to predict what your medical billing and coding salary will be. However, by looking at national human resources data compiled by Salary.com, we can see that the middle 50 percent of medical billers and coders made between $35,999 and $44,562 as of November, 2008. If you want more information about what you can expect in a medical billing and coding salary, there are several resources online that will give you a more in-depth report based on your personal data. One of the things to ensure you get a good salary is if you get a good training certification. (MORE)
You could, provided you never need a doctor again.. Answer: . In the US, sadly, it happens all the time. In the event you do not pay a medical bill, the provider will attempt to collect it. If unable to, the provider will refer it to a collection agency. If you live in any of the few states that… do not permit garnishment of wages or assetts, about as far as it will go is court, judgment, and your credit report. If, however, you live in the majority of states that do permit garnishment, be assured, the collection agencies know their business very well; the debt will be recovered either voluntarily or involuntarily. (MORE)
If you are the guarantor of those bills, then yes. I can think of only a few situations in which this would be the case, and if you are not your bother's guardian, none of those will fit. Keep in mind that if you agreed to pay at any time by telephone and the call was recorded or if you signed any d…ocument agree to assume the debt, then you can and probably will be help accountable. (MORE)
We were visiting my mother-in-law and my wife tripped over my dog and broke her elbow will my own homeowners insurance help pay the medical bills?
You have an insurance policy which explicitly spells out what is insured and what kinds of claims you can make, so you might want to read your policy, but I can tell you that the purpose of homeowner's insurance is to protect you from financial loss resulting from damage to, or theft of the property… in your home; it is not medical insurance and does not pay medical bills of whatever sort. (MORE)
Answer The -AS modifier is used when a doctor bills on behalf of his surgical assistant. If the assistant submitted his own claim he could use -80, -81, or -82.
If I understand the question properly, you're asking if you can double-dip from two separate policies, one of them being your normal health insurance and the other being the medical insurance coverage on your automobile. The answer is, basically, no; even though both of them will happily collect ful…l premiums, they will not both pay. (MORE)
In the majority of states a medical bill can be turned over to a collection agency at any time. Doesn't matter if you are paying on the bill or have an agreement with the doctors office. In some cases these collection agencies are NOT outside companies but an account receivable agency for the group …of doctor's or clinics. It is far more efficient to have a third party handle payments and invoicing. Kind of like having a 3rd party do your companies payroll. You should ask the 'collection' agency if they are part of the group you owe the bill to. If so, it is far easier to negotiate with them. If not, make sure the agency has correct information on file. You may actually be in the middle of a dispute between your insurance company and the billing office. If so, contact your doctors office to get this resolved asap and make sure they take the bill back from the collector. Get it ALL in writing. (MORE)
What is the consequences of not paying medical bills after receiving an insurance settlement when you're the passenger in the accident?
You used medical services and you intended to not pay the people who rendered those services? Do you believe they will simply ignore your non-payment? Answer: While you are not obligated to pay out of the settlement (Side note: looks like they should have sent that portion in for you to pay the peo…ple what they are due because you are to sorry to do so) You will still be obligated to pay them for providing you with medical service. They will either sue you, garnish your wages, or your bank account. (MORE)
Medical bills can build up fast, especially for someone who is uninsured. If you have medical insurance, you may wish to contact the provider to make sure that they cover the procedure or care that was given to you. Have the hospital or doctor bill your insurance. If you don't have insurance or have… a large amount of money that the insurance couldn't cover, I would recommend calling the company billing you to set up a payment plan in which you can pay off the debt in low monthly installments. If you have a considerable amount of debt and no way to pay, another way to receive help is to write a Letter of Hardship. Trying to explain the situation shows your good faith and desire to satisfy your bills. Hospitals and medical professionals are very likely to meet you half way, instead of trying to collect through the third party. So writing a short and right to the point hardship letter is worth while, as long as you intend to pay. You may wish to call the company who sends the bills and ask who to address the letter to, as often times the company billing you is not the hospital itself. There are many websites with examples of how to write such a letter. (MORE)
Does the estate of a decedent have to pay all outstanding debt such as medical bills utilities and insurance?
The estate is responsible for the debts of the decedent. The debts must be paid before any assets can be distributed to the heirs.
If the charges were incurred at a hospital (especailly state-funded hospitals) some of them offer what are called "charity write-offs". One program is called "helping hands". Technically they do not pay them, but you will not be responsible. They base it off of income, job status, situation etc.
If you're talking about the bill for a medical visit, that will come from your doctor or hospital. It often takes 30-90 days for that process to play through and for you to see the bill. The patient typically receives a medical bill once the payer has paid their portion.
If your medical bills have been turned over to collections and they asked you to write them a hardship letter to explain your situation and you are unemployed and cannot pay what can you do?
One answer: You can hire a personal health advocate. These are people that specialize in exactly your situation. Usually registered nurses, backed by doctors, benefits and insurance experts, they can do all the work for you to get this straightened out. They charge by the hour but will also review… your case for free, tell you if they can help you, and then give you an estimate on what it will cost. Plus they can resolve issues in record time versus what it would normally take the average person. Another answer: Creditors cannot garnish unemployment benefits. Write them the hardship letter they ask for and be honest and forthright with them. Many are in the same situation your are, so you're not alone. Locally you may have legal aid societies, counselors, etc. that help people who are "up against the wall". They can give you good advice. (MORE)
Chances are yes, you will have to pay the bills. The primary insurance holder will be held responsible and they both benefit.
Possibly if they are auto accident related. Also, if you have Med Pay on your own insurance.. any other bills that may not cover on the at-fault drivers' insurance, can fall back on yours but your rate won't increase if you're found not at fault.
Does the spouse of a deceased husband have to pay medical bills in South Dakota when neither had insurance?
In South Dakota, the estate must resolve all debts including medical bills. Until that is done, the spouse cannot inherit anything.
No, I shouldn't think so though it will tell you in the terms of your policy.
in terms of my country, medical bills are paid at the time when one is sick and is accessing medical attention within the institution offering the needed service...but if by law in ones country you are specified as for how long you have to pay medical bills, you have no choice but to obey the law...… (MORE)
Not unless something unusual is going on... like they find out your claim was somehow fraudulent.
Absolutely. If you received service you have an obligation to pay for it. You should see if there are any programs that you may qualify for or if the provider will take a payment plan but neither relieves you of the obligation to pay.
It depends. Life insurance is non-taxable and non-attachable. If the policy is paid directly to beneficiaries not affiliated with the deceased's estate then probably not. However, after the proceeds are paid it just becomes money and if those proceeds are part of the estate, then they probably can. …It also depends on the laws of the State, so I would check with a lawyer if it was a major concern. MyInsuranceXpert (MORE)
Should my homeowners insurance pay my son's medical bills after he fell off my roof while cleaning the gutters?
No. As a residence of the home, your son is an insured under the policy. Medical Payments to Others specifically excludes insureds from payment under this section of the policy.
Statute of limitations do not apply to settling of bills andpayments. The limitations will be a part of the contract.
Who pays for pain and suffering when the person responsible for the car accident doesn't have enough insurance to even pay for your medical bills?
generally, it would be from your "uninsured/under-insured motorist" coverage. You wind up suing your own insurance company to collect. If the uninsured motorist coverage on your personal auto policy is not enough, you may also be able to tap the uninsured motorist coverage under your umbrella policy… (if you have one). Now, if you live in a "no-fault" state you can tap the "personal injury protection" or something similar (different states call if different things). If you are in this situation, I'd highly suggest you consult an experienced lawyer. Answer You would have to sue the responsible party in the accident for pain and suffering. If they are insured for liability and you can prove pain and suffering in court, then their insurance company would pay a court judgement up to the policy limits. If they are not insured for it then you would first have to pay your own lawyer expenses and you could get a judgement against the responsible driver with which you could then seek wage garnishments and property liens to recoup your loss. (MORE)
What do you do if you are in an accident and not your fought and the other person only has min ins and it don't even pay your medical bills who do you turn to?
The insurance co will cover only the policy limit/amount, however, you can sue the other driver for the rest. However, the insurance co will ask you to sign a release of all claims, which you should not do if you're still owed money. Just because you don't sign a release, it doesn't mean that the in…surance co won't settle with you. In your case you need to contact an attorney and do so ASAP. (MORE)
Yes, the insurer will pay for your care as long as you had coverage on the date of the surgery. It does not matter that in the month after the surgery, you ended your coverage.
Medical Billing uses unique medical codes tied to any supplies or procedure to submit to insurance companies for reimbursement. The medical codes must be verified by a certified professional prior to submission.
No. Collision coverage pays for the physical damage to your own car, subject to any deductible. Medicals are paid by a separate coverage-sometimes called Personal Injury Protection, but it may be called by a different name depending upon the State involved. It is what is generically called No Fau…lt coverage. It pays a percentage of your medicals and lost wages if you are infured in an auto collision irrespective of fault. As such, it is a form of "first party" coverage that you maintain on yourself. (MORE)
Child plans are a combination of two things, insurance andinvestments. These plans insure the life of the parent with most ofthem having inbuilt waiver of premium benefit which means, thatafter death of the life assured, the premiums will not be payableanymore but the benefits of the plan will conti…nue as premiums arepaid regularly. : Compare Child Insurance : (MORE)
In the first instance seek legal advice. In some cases you may becovered for the injury costs if you were subject to and injurycaused by poor maintenance of the stairway at school. This caninclude slips, trips and falls as a result of obstacle wet/slipperysurfaces. You will need to have a open and f…rank discussion with your parentin this matter if only to gain support and advice as their may beother avenues open to you (MORE)