Thanx Breeze, Great advice for handling a future situation. The question remains what does Whatever do now? Enigma noted that the "fine print" of her contract stated that they would bill her ins. That takes it out of the realm of courtsey and into contractual. Also if they just stated, as they usually do, that they will bill the ins. co., that's a verbal agreement. Whether the FCBA applies or not you are still entittled to be billed correctly, at the current address and receive ALL the services agreed upon at the time of the transaction. Most especially in Enigma's case where it is so stated.
Happy Dance Happy Dance, Happy Dance!!! I called my insurance company today and explained the situation. The CSR was great! Called provider of services and the CA and everything is taken care of. Get this...computer glitch somehow that said I did not have valid number, but everyone had the same numbers as the insurance company and I am valid. Thanks for all your advice. Now let me see if I can access CE today! Problems during the weekend.
FYI: The above is true if and ONLY IF your insurance company DOES NOT have a contract with your doctor! If your doctor does have a contract in place, it's up to insurance and the doctor to settle the account amongst each other...
I believe this is correct. Years ago when I held standard insurance, I could go to any provider of services that I choose. Sometimes, I had to submit claims myself. Having a HMO or PPO has it's disadvantages as well as it's advantages. I was told that if I use providers within my network, insurance would be billed, I was only reponsible for the co-pays. Using providers outside my network I can be held liable for what is not paid, plus larger co-pays. This medical bill I was talking about was all within the guidelines. I paid my co-pays...did everything I was suppose to do. I do use providers outside the network and am aware when I do and make those payments.
