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"After many phone calls, emails, registered letters, etc. the final determination was that the ER was, at the time of the events in question, had been staffed b
by rqtwteye 3y ago
"After many phone calls, emails, registered letters, etc. the final determination was that the ER was, at the time of the events in question, had been staffed by an out-of-network third party and thus would not be covered."
I always wonder how a normal person is supposed to figure out stuff like this. I suspect these traps are set intentionally to squeeze more money out of people.
- xyst 3y agoBecause most people give up or forget after the first round of phone calls. It's more profitable to deny claims initially. Patient either forgoes care or pays out of pocket. Insurance company keeps the premium from customer.
- lotsofpulp 3y agoAs of Jan 1, 2022, the No Surprises Act requires all healthcare providers that work in a hospital to be considered to be in network if the hospital is in network. And also, all emergency healthcare is considered in network even if the hospital or doctors or labs are not in network.
- mildavw 3y agoI had an out of network emergency room visit with a kidney stone once while covered by a $1,000/month UHC platinum plan. When the bills arrived I stupidly paid them thinking it’d be easier to just file the claim for reimbursement from UHC on my own. After two years of submitting forms, exchanging letters, and hours of phone calls, I just gave up. It’s hard for me to consider their business as anything but an outright scam.
- rqtwteye 3y agoWhen I moved to the US somebody told me to hold onto money as long as possible when it comes to health care.. Once they have it, they won’t give it back.