What state are you in? How long has it been since you changed plans or the MD quit the Network? What is the medical condition? Are you disabled? I think it's a different "term" that we are looking for in your question.
Here's an answer that says 3 months.
Here's State law that seems to imply 3 months.
I was under the impression it's one year, if you change plans, but you might have to be hospitalized.
For more information see www.SteveShorr.com
Yes you can, but make sure you are eligble to do so. If you were let go from your job for simple misconduct, you have to a 6 week penalty from the day you were let go. After that you can re-open your existing claim that was originally denied so you can begin collecting. If you were let go for gross misconduct, apparently you cannot re-open your claim because you will be completely denied for benefits.
The applicant will receive a letter informing them that their claim has either been denied or approved. If the claim is denied the letter will include instructions on how to file an appeal. If the claim is approved, the letter will state the amount awarded, when benefit payments will commence, and other pertinent information. In some cases a letter of an approved claim is sent and then additional correspondence explaining the program will follow.
It depends if they really and truly are responsible for the denied charges. Meaning if the insurance company denied the claim due to something the PROVIDER didn't do, (timely filing, no auth obtained, etc),the charges would have to written off. Other than that, if the patient refuses to pay, let them know the account will go into collections.
In Virginia (and in most, if not all, states) there is an insurance bureau (http://www.scc.virginia.gov/division/boi/) to which you can file a complaint if you feel your claim was wrongly denied. Theoretically, they provide some regulation of the insurance industry and protect consumers to some extent.
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