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How do you negotiate the medical bills of the deceased down to a fair amount since there was no health insurance?
Wiki User
∙ 15y ago
A medical provider or collection agency won't tell you right off the bat they'd rather take a reduced amount than write off the debt. After all, it's a business and they want to get as much as they can, and you clearly want to pay and not stiff them completely. If you're the spouse of the deceased (my condolences) it might be tougher as they'll try to get you to declare your financial status (whether the deceased left a life insurance policy, etc.). If it's a parent, and you aren't personally responsible for the debt, tell the provider you're doing the right thing by offering to pay what you can and if they don't take your offer they'll get nothing. However, assuming you are the spouse and therefore responsible, negotiate the bill with confidence, and be prepared to pay the negotiated amount right away. First offer to pay the amount health insurance would have paid - around 50% of the bill. Why should the uninsured have to pay 100%, and an insurer gets a discount? If the bills are still with the provider (hospital, doctor's office, etc.) you can likely get someone reasonable. If it's with a collection agency the rep will be more aggressive but in reality they settle for less all the time. If you don't like the rep insist on speaking with a supervisor. Finally, be prepared to honestly discuss the hardship. The deceased not only left thousands of dollars in medical bills - income stopped with his or her death. It makes it tough to move forward and settle the estate. Again, sorry for your loss.
Wiki User
∙ 15y ago
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Does medical insurance reduce your Social Security portion?
Medical insurance payments to the providers of the services for your medical bill charges would not reduce the amount that medicare will approve for the payment amount charges that they will pay for the services that you have received.
Where can one get a life insurance with no medical exam?
You can get life insurance online without a medical exam. Some websites you can go on to get life insurance without a medical exam are AnicoDirect and Efinancial.
What exactly does a cheap medical insurance mean?
A cheap medical insurance simply allows the person to have a small blanket of security if a large medical emergency occurs while paying a minimum amount for the insurance each month.
Is the executor of a deceased beneficiary entitled to the Policy?
In case of demise of the life insurance policy holder, only the NOMINEE is the beneficiary to get the amount. In case nomination is not done, the legal heir of the deceased person can apply before the insurance authority for the death benefit.
What terms is used for the amount charged for a medical insurance policy?
The term is "premium".
Will your insurance pay the medicare lien if the other parties insurance liability is not sufficient to cover the entire settlement amount?
No. I assume that you were in a car accident and that you had injuries. I assume that you had medical expenses that were not covered by insurance. I assume that you own a house and there is a lien on that house to pay the cost of the medical care. I assume that the insurance settlement took 2-3 years to settle. I assume that your settlement amount paid by the other driver's insurance policy was less than the cost of your medical care. There is no other "insurance" to rely upon to pay the cost of the medical are that was not covered by your insurance and that was not covered in full by the amount of money you received from the other driver's insurance company.
Can homeowners insurance cover owners medical bills when hurt in a park?
No, That's what your Major Medical or Health Insurance policy is for. Homeowners Insurance is "Property Insurance". The very, very small amount of medical coverage offered on most home insurance policies is for accidental injuries to others while on your property.
Why is insurance billing important to the medical office?
So the healthcare provider can be reimbursed his contractual amount from the insurance company for his services.
How is a widows state pension calculated?
The calculation of a widow's state pension typically depends on various factors such as the deceased spouse's National Insurance contributions. In the UK, for example, the amount a widow receives is based on the deceased spouse's qualifying years of National Insurance contributions. The government will then assess and determine the pension amount based on these factors.
What is the most important value of health insurance?
It reduces the amount you pay for medical expenses.
What is the difference between term and permanent life insurance?
Term life insurance if only for the life of the coverage holder, once deceased the amount is paid to the beneficiary. Permanent life insurance, known as whole life insurance, combines term life insurance with an investment option.
What is the best medical supplemental insurance?
The amount and type of insurance coverage should be determined by your age and existing or future medical condition. Insurers are rated by the company called Bests Rating Service.
