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Recent Self Insurance questions

In 2015 I added my husbands daughter to my health coverage

in 2015 I added my husbands daughter to my health coverage on my job. at that time, we had blue cross blue shield. during open enrollment for 2016, my employer didn't renew with bcbs but instead went to a self funded plan. My husbands daughter has down syndrome and her deteriorated very shortly after our insurance became active for new year. My HR representative said the medical claims will bankrupt the hospital and I didn't want that to happen so I asked for her to be dropped from my plan. Just want to know the ramifications of that?

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LegalKnowledge

Juris Doctor

34,988 satisfied customers
I have questions regarding an auto accident and claims, The

HiJA: Hi. How can we be of help?Customer: I have questions regarding an auto accident and claimsJA: What state are you in? It matters because laws vary by location.Customer: The accident took place in Pennsylvania..JA: Has anything been filed or reported?Customer: yesJA: Anything else you want the lawyer to know before I connect you?Customer: No

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

115,356 satisfied customers
I am a doctor. An insurance company is giving my patient the

I am a doctor. An insurance company is giving my patient the runaround. I am helping him out because he is not sophisiticated and is paraplegic as well.My patient lives in Westchester County, New York and bought his insurance through Obamacare from a company that does business in New York. I saw the patient in my Fairfield County, Connecticut office. I also have a Westchester County office. At my request, the state insurance commissioners of Connecticut and New York contacted them and they lied in their response to New York, ( I have written proof of their duplicity), and Connecticut claims that the plan is self-insured by an employer and therefore comes under federal jurisdiction. Not true. The patient is self-employed. Therefore both insurance commissioners declared the case closed. Because the amount in question is less than $5,000 the patient wishes to sue them in small claims court. (Local limits are up to $5,000.) My question is where to sue them.? It would be most convenient for us to sue them in Westchester County or Fairfield County. However their New York headquarters is in Brooklyn New York. Your assistance is much appreciated, and I will pay for your time. Sinceely, Leonrad Leven MDJA: Because employment law varies from place to place, can you tell me what state this is in?Customer: I should have signed off Sincerely,JA: Has anything been filed or reported?Customer: Leonard Leven MDJA: Anything else you want the lawyer to know before I connect you?Customer: Both of your questions have been answered in my submission to you.

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Dwayne B.

Juris Doctor

37,556 satisfied customers
I was involved in a car accident 2 years ago while working

I was involved in a car accident 2 years ago while working in a dealership. The accident happened on property and the impact happened at about 4-6 mph. No injuries, just minor car damage. The plaintiffs were driving the dealer's rental vehicle. I gave my statements and never heard a word about it again. This week i received a summons, The dealer and i are being sued for serious bodily injuries which is complete b.s. At the time of the accident, the dealer was under a different ownership and was self-insured. Now the dealer is owned by a different owner, is this lawsuit their problem? or should i get my own lawyer? I am 21 and have no assets so i dont know how i am going to deal with this suit.

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,706 satisfied customers
I received a subrogation letter from a law office for an

Hello! I received a subrogation letter from a law office for an accident I was in. Should I pay it, no questions asked? The bill seems pretty high ($921) for the damage I caused. I haven't been sent any info on the repairs, and was never contacted back by the insurance company even though I called several times. I would like to make this right, and do the right thing but don't want to be scammed. Thanks AllieJA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: Sure, tennessee Also, I was on a scooter that is under the legal limit of cc's to require insurance, and thusly did not have any.JA: Has anything been filed or reported?Customer: No, the man I hit was very mean and would not let me call the police. He also tried to coerce me to his home, and his friend tried to extort me for 1000.JA: Anything else you want the lawyer to know before I connect you?Customer: No, I don't think so Thanks!

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Ray

Lawyer

Doctoral Degree

41,476 satisfied customers
I work for a company where travel is part of my job. I have

I work for a company where travel is part of my job. I have gotten into a 2nd at fault vehicle accident in 5 years and the company wants me to sign a formal last chance agreement notifying me I would be fired in case of a 3rd accident whether it is work related or not. The ticket was dropped and my license is not suspended.JA: License regulations vary from place to place, so can you tell me what state this is in?Customer: ncJA: Has anything been filed or reported?Customer: I was cited but ticket was dropped. the company is self insured and did pay the claim for damage to company vehicle and other vehicle I am hesitant to sign something that agrees to automatic termination if that waives any of my rightsJA: Anything else you want the lawyer to know before I connect you?Customer: that's all

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Asad Rahman

Attorney

J.D.

4,518 satisfied customers
If someone totals another person's car and doesn't have

If someone totals another person's car and doesn't have insurance, what can happen? This is in California

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Attorney2

Doctoral Degree

8,356 satisfied customers
Patient is on a gh deductible health insurance plan. As

Patient is on a high deductible health insurance plan. As such, patient pay for all services after insurance company is billed unless there is catastrophic illness. Patient is advised by self-insured employer to get cost in writing prior to service. Patient gives in-network provider insurance information and gets cost by email. Cost given describes service in detail and expresses patient's cost as a percentage of the uninsured cost. For example, the cost was expressed as "procedure code xyz $16 x 20% = $3". Patient is not told this is an estimate or warned that this information should not be relied on. The service is performed and the insurance company is billed. The patient receives a bill for $21. The patient also receives an explanation of benefits form from the insurance company showing a patient responsibility of $6. The provider insists on billing $21 and the patient offers only to pay $3. The provider sells bad debt of $21 to a collector. The patient offers to pay $3 to the debt collector. The collection agency sues for $21 and refuses to settle for any amount lower than $21. Question: in a trial, what amount is owed by the patient?

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Phillips Esq.

Attorney

Juris Doctor

21,296 satisfied customers
I recently left the company I had been with 4 years. I was

I recently left the company I had been with for almost 4 years. I was in sales and rented several cars for work and through a direct bill program that was mandated by my company. In early 2015 I had to make a trip to the corp office for business and our travel manager booked me with Hertz (almost always use National but a member with most rental cos). It was a drop location (unmanned) so after my trip I filled it up, noted the miles and location and dropped the keys in the box. A few days later my office called to say Hertz was filing a claim for rear bumper damage. I was not involved in any incident and shared that I drove to/from the office and hotel. We are a self insured company and aren't allowed to purchase rental insurance. A few months I was contacted by Hertz directly and shared my experience and provided them with the name/number at my company to contact. A few months later they contacted me again and I told them the same thing but they hadn't heard from us- I sent a message and left a vcmail as well. Again months went by, I assumed it was handled then it showed up on my credit report- $2200. When I called the office again and told them this they paid it- although zeroed out, it's still on my report. Does my employer have a responsibility to get more involved and get this removed?

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,706 satisfied customers
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