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I was notified by the chiropractor I went to almost 2 years

I was notified by the chiropractor I went to almost 2 years ago that I have an outstanding balance with them of over $1,200. I was never notified of this balance before, and prior to getting my treatment there, their staff "checked" with my insurance and ASSURED me that my visits will be 100% covered by my insurance. I never received a bill from them in the few months I went there. Then suddenly almost 2 years later they called me stating they are billing from 2014 and 2015 now, and I owe them the balance. I find this a bit ridiculous, because they told me they checked with my insurance at the time to make sure my treatment was covered - it was the only reason I even did it, otherwise I would not have even gone there at all if I knew there'd be such a huge charge. And because they are billing it so late, my insurance is showing as not even covering most of it. I don't know what to do or who to speak to. I feel like if I call the insurance (Aetna) they will laugh at me and say they can't do anything about claims from almost 2 years ago. I don't even remember what my deductible or coinsurance were at the time, as my insurance policy changed since. I just want to understand what my rights are in disputing this charge with the practice, as they clearly were extremely disorganized, gave me wrong information, and then charged me over 1.5 years later. Do I have any power to fight back for THEIR mistake? I don't know how to prove what they told me 2 years ago when I started going there, and how to prove that THEIR staff checked my insurance and mislead me. HELP!!! :(

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

108,012 satisfied customers
My mother has been staying at a skilled nursing hospital

Hi, my mother has been staying at a skilled nursing hospital upon discharge from the hospital. She's on Medicare and Tricare. They have been eager to transfer her to a different nursing facility which turned into a huge battle. They are not nice people. I spoked with a lawyer on here about it a week ago who told me it was "patient dumping without proper discharge planning". I used this terminology and spoke with several people above the social worker at the facility and they agreed to give me more time to properly research the matter which I've been doing. It's a special situation where I am an only child with my own health issues and have been dealing with only my mother's health for 2 months straight and needed to take a break for work, mental health, and doctors appointments of my own. I have been avoiding the social worker's calls as she is very unpleasant and out right lies, and has gone into my mother's room and been very hostile and nasty to a sickly little old woman. But my question is, today the social worker told my mother "if your daughter doesn't call me back we're going to charge you $6000 a night from now on for each night you stay starting tomorrow." Is this legal? When asked to email or fax me a list of the nursing facilities that she had researched that had accepted my mother already she refused saying the information could only be provided over the phone which is difficult to write down that much data, it would be far easier if she could just email or fax the list. Is there a legal standing behind this? Or does she just not want to? Thank you for your assistance!

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Ray

Lawyer

Doctoral Degree

35,806 satisfied customers
Visit to new doctor looking doctor. Have nothing

Visit to new doctor looking for primary doctor. Have nothing wrong with me only was considering a colonoscopy and found that by going gluten free improved my health. New doctor took blood in his rooms and has now billed me for $925.24. Trying to get a breakdown of these costs. Visit was on 4/29/15

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37,942 satisfied customers
I want to dispute a claim by my health insurance company. They

I want to dispute a claim by my health insurance company. They say I owe over $860 for an MRI. My deductible is paid in full, but then they mention that my "out-of-pocket" max hasn't been fully covered. The issue is that I don't remember reading anything about an out-of-pocket max in any sort of paper work when I signed up for the insurance policy and I want to investigate this. I'm not sure how to move forward. Suggestions?

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LegalKnowledge

Juris Doctor

30,394 satisfied customers
While away at college my daughter needed a MRI. She went to

While away at college my daughter needed a MRI. She went to a in network doctor that sent her to a out of network hospital for this service. She said she asked if she was covered & they said yes which is true BUT they didn't tell her they were out of our network. Now I'm on the hook for $5,000!! Where is my protection? How hard is it for them to say "yes you're covered but it will be crazy expensive because it's out of network" Or call me since I have to pay the bills. This was not an emergency service, so we could have waited until she came home.

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LegalKnowledge

Juris Doctor

30,394 satisfied customers
Unless a supplemental policy specifically states otherwise,

Unless a supplemental policy specifically states otherwise, the most it will cover are the Medicare deductibles ($147 outpatient and $1,187 hospitalization) and the 20 percent co-insurance. Supplemental policies do not usually cover any medical services Medicare won't cover. What's more, Medicare supplemental insurance will only pay health care providers what you would pay if you didn't have the supplemental policy. Providers aren't paid any more for taking care of you if you have one of these policies. If this is true, why purchase a supplemental policy? Wouldn't it be better to pocket the premiums paid for these policies and use that money to pay the deductibles and co-insurance? What's the risk of not purchasing a supplemental policy?

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Alexia Esq.

Managing Lawyer/Advocate

Doctoral Degree

11,640 satisfied customers
My daughter is 22, was diagnosed with acute lymphoma leukemia

My daughter is 22, was diagnosed with acute lymphoma leukemia in late September, 2013, and has been in chemo treatment for almost 2 months. The medical bills are mounting and at this time I don't know how much my employer's medical plan will cover (clearly not 100%). My question is - who is legally/ultimately responsible for paying these bills? My daughter or her parents? Note: my daughter graduated from college last May and can not work now, who knows about later. Thank you.

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LegalKnowledge

Juris Doctor

30,394 satisfied customers
What is the law in NJ for balance billing from a doctor who

What is the law in NJ for balance billingfrom a doctor who was assigned to youin the emergency room and tells you mustremove your gal bladder and then sends you his bill because he is not in your network. My insurance has paid himfor his services based that he not in theirnetwork, and he insists that I owe him the balance of $22,139.39. He insists that I am responsible for this bill andthat within 10 days I will be turned overto a collection agency. Is there a law inNew Jersey that allows him to due this?I was sent to the emergency room bymy doctor, both she and the hospitalare in my network. No ever informed methat this doctor was not in my network.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

108,012 satisfied customers
I live in TN and have a question about health insurance. I

I live in TN and have a question about health insurance. I provide Cigna medical insurance for my family thru my employer. Our daughter (who turned 18 Aug/2012) moved out of our home in January. We have had no contact with her since that time and provided no assistance to her but she is still on our insurance plan. This month she has incurred several medical bills, obviously with copays due the providers (such as deductibles and coinsurance amounts). I was not aware of this until I received the EOB statements from my insurance company. Although we have no contact with her I would like to keep her on my insurance after this year, but ONLY if we (her parents) are not responsible for any co-pays. Cigna tells me that because she is 18 that the providers should bill her directly and that we are not responsible even though it is our health insurance plan, but told us to check with an attorney to be sure. Is this correct?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

108,012 satisfied customers
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