How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask John Your Own Question
John, Attorney
Category: Business Law
Satisfied Customers: 5733
Experience:  Licensed and practicing attorney helping businesses achieve their legal and practical goals.
Type Your Business Law Question Here...
John is online now
A new question is answered every 9 seconds

I was an employee covered in an employers self-insured health

Customer Question

I was an employee covered in an employers self-insured health plan that failed and is now insolvent. An independent fiduciary was hired and has contacted all my Providers to negotiate payment. About 70% of my Providers have failed to respond to 3 written inquires from the Fiduciary, yet they continue to pursue me for payment. Can I not pay the debt because they failed to respond to the Fiduciary?
Submitted: 2 years ago.
Category: Business Law
Expert:  John replied 2 years ago.
Hi, thanks for submitting your question today. My name is John. I have over 13 years of legal and consulting experience in this area. I’m happy to assist you with your question today.
No, unfortunately you, personally, are responsible for that debt unless and until the medical provider makes a deal that the fiduciary payment is full and final payment for services. When a medical provider makes a deal with an insurer or self insured to accept their payment for services they generally have a specific price negotiated for everything in advance. The insurer then cannot just change that and have it be binding on the provider; that would breach their contract. So it's as if you went there uninsured unless they come to an alternate agreement. That being said, I wouldn't make payment on it just yet. You may want to inquire with the fiduciary as to what they plan to do with un-resolved debts. They may possible take those to bankruptcy court for discharge, in which case that would wipe away any obligation.
I believe this answers your question. However, if you need clarification or have follow-up questions regarding this matter, I will be happy to continue our conversation – simply reply to this answer. If you are otherwise satisfied with my response, please leave a positive rating as it is the only way I am able to get credit for my answers; otherwise the website just keeps your payment and doesn’t credit me at all. Thank you, ***** ***** wish you all the best with this matter.
Expert:  John replied 2 years ago.
I am sending you this follow-up to determine if you require further assistance with your matter. I believe I have answered your question to the best of my abilities. I truly enjoy helping others with my knowledge and experience, and I believe I provide a valuable service. If you agree that my response was of value to you, please support my endeavor to share my knowledge by providing a positive rating. You have already been charged the full amount for your question. Providing a positive rating will not cost you any additional charge, but it will permit the website to credit me with answering your question. Otherwise, the website does not credit me with answering your question. Thanks.