ZeroIkarus says:

Hahaha! super funny!!!!great job!! lol

Back here in Greece, freelancer or not you have to get health insurance no matter if you like it or not! You have to even if you cant afford one!!! lol, yup it is THAT crazy!!!! (cause they need to collect money and pay the health insurance of people that have health insurance and never pay for it!!! craaazy crazy world well ok, Greek crazy world.
lol

cashalash911 says:

haw haw haw

alexapollo22 says:

I just wear Alex Chiu’s immortality rings and H have no health problems what so ever. No health insurance needed.

doug g says:

If your Grandma is past 65 years old then Medicare is her primary insurance and the "good health insurance" is her Medigap insurance which should be picking up the balance between what Medicare pays (about 60% of the actual bill) and her total balance.

Her Dr's insurance billing office should be taking care of all this for her since they would not have let her continue treatments without talking to her first to make sure she had valid insurance that would pay the Dr. You can not see a Dr unless you regularly provide proof of current medical insurance and this info would have been checked and verified every six months.

You do not say why all the bills are being rejected. Even if they have not paid the Chyrsler insurance monthly premiums then Medicare should have been paying partial payments. Something doesn't add up. Not getting medical bills paid really should be the problem of the Dr's office. I'd suggest you try to straighten things out for your gandparent's since probably both grandparents are too ill and too old to deal with the intricacies of dealing with the current US insurance billing system (which is a universal mess and tends to rob people unable to decipher all the double talk).

I wade through this insurance crap regularly for an elderly relative of mine. Chrysler's insurance does not have to pay (and won't) until Medicare has already paid. You need to contact the Billing person in the various Dr's offices and ask them to explain exactly why Medicare has not paid, whether a bill needs to be rebilled to Medicare and what can be done to expedite this process. Medicare is a slow payer but Drs can not ask for the rest of payment until Medicare pays since they will be unable to know in advance what the remaining balance will be.

I don't have any idea why her credit report would be affected unless she is failing to pay other bills besides Dr bills since a Dr will not turn in someone with health insurance (especially if they are dying) in for non-payment. There has to be more to this story than this.

Yes there is a long series of hoops to jump through to correctly work through the medical insurance billing system but it looks like she has insurance but for whatever reason the bills are not getting paid. Maybe you need to step in and with your granny's permission help her through this difficulty. When talking on the phone you may need to let the billing people verify with your granny that you are her agent and working in her behalf but that takes 5 seconds. There is really no need I can see for her, your granddad or yourself to travel anywhere to solve all this since this can all be done on the phone although it might be a slow and very frustrating process. Take good notes about who you talk to and try to talk to the same person each time. These billing people will often be of great help (if you don't yell at them) in working through your grandparent's billing problems. These office insurance billing people work all day solving various insurance payment problems so here is where you need to start to solve your grandparent's mess.

After you have talked with the billing departments and gotten answers for all the questions above, if you have additional questions, repost them here. good luck

Pumpersniff says:

Funny Funny Funny! I am hunting for self-employed medical insurance … again. To see if I can find something cheaper than Kaiser’s $375 for me and my spouse. When I came across your post. You nailed it! All the f’n crazy hoops that you have to jump through. Ahh I can’t wait to see what I have to go through this time.

megalisstudio says:

thanks man………and gooooooooooooooooood luck!!!
haha
let me know

~*Nicole*~ says:

The problem with insurance companies is that they get to make the rules, and sometimes they don't follow the very rules that they make.

You have a contract with the insurer. If you lied to get coverage, the entire contract may be voided (depending on the terms of your particular contract).

Most insurance companies will require you to get their permission to have anything done, but when they grant you permission (pre-authorization) it is NOT a promise to pay. They make that decision AFTER the surgery.

This is a major reason why our health care system is in such a state. You pay for insurance, they deny coverage and pocket the money you paid. You AND your doctor get screwed.

Lora says:

That's how it works. If his Explanation of Benefits from the insurance company states that he can be billed those amounts, then that's what he owes. (Note – if he's being billed for *more* than what his EOBs state, he should contact his insurer.)

Your son needs to fill out a financial assistance application with the hospital. He'll likely need to show proof of income, state his total assets, etc. The hospital will have their own form and list of requested documentation.

Then they will work with your son on any discounts available to him based on his income level. If he has no income or no assets, he may even have the entire bill waived. Depending on how that hospital's sliding scale works.

Once a final balance is determined for him, he will have to work out a payment plan with the hospital.

P.S. I assume you've also looked into any available liability insurance coverage from the owner of the quad? There may be some medical payment coverage available through that as well.

Marjan says:

$135 per semester? That's an excellent price. But look at the details of the plan. Make sure it has good benefits. Not all plans are created equal.

Are you sure with your plan you have to wait 2 weeks for the company to approve your doctor visit? That seems ridiculous. Which school do you go to, if I may ask?