Must you reimburse your insurance company for medical bills paid on your behalf when you get a settlement from the other insurance company even though youve been paying premiums to cover medical costs?
normaly yes, many people dont. you can wait it out, see if they ever catch on. if not go buy some shoes, if they do, which usually takes at least a year, get ready to return the shoes. eventually the insurance companies settle their explanation of benefits, and find out who owes what.
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If your auto is hit the other driver's auto insurance pays all medical expenses and so does your health insurance must you reimburse your company?
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your… insurance will subrogate (collect back) from the other company. (MORE)
Does an insurance company have to take into consideration and pay for future anticipated medical care when settling?
Depending on your state.....I settled not to long ago and they paid the doctor fees accrued at the time and took into account the cost of future medical bills. Remember though, once you settle you are done, and if your expenses are more then they estimated you will be responsible for paying them.
Does the other insurance company have to pay for all medical bills if the accident was their client's fault?
Depends on what state you are in and what your state's laws are. If you're in a no fault state, your insurance will pay for all of your medical bills no matter who is at fault.
Do you have to reimburse a health insurance provider that paid for medical bills if you received a bodily injury settlement from your auto insurance?
If they have a Subrogation Clause (Section of Property Insurance and Liability Insurance policies giving an insurer the right to take legal action against a third party responsible for a loss to an insured for which a claim has been paid) in their contract (and most do). The above answer is correct.… What this means is you need to take this into consideration when deciding on a settlement. If your health insurance paid $50,000 in benefits and your attorney gets 30% of what he/she recovers, settling for $75,000 may sound nice but you will likely never see a nickel of it. (MORE)
If you are an injured passenger in a car where the driver was speeding does the driver's insurance company pay your medical costs?
should under the bodily injury portion of their liablity, however many exclusions could apply....more info would be of great help (ie facts of loss, how you are connected to the driver, who owns the vehicle, state, etc), some states bar certain individuals from inj. claims, (spouses, residents of sa…me household etc) (MORE)
If there are some medical bills on your credit report that should have been paid by your insurance company how can you have these removed?
You can attempt to have any item removed from your credit report by the same method; writing a letter of dispute to the bureaus. "...should have been paid by your insurance company..." is not a valid reason for dispute. If you were to write with this reason, (most likely) the accounts will be verifi…ed and they will remain on your credit for 7 years from the date they were defaulted. (MORE)
If you are found over 50 at fault by the other drivers insurance company even though the other driver ran a red light does your insurance company have to pay for damages to the other driver's car?
Answer . Believe it or not insurance compaines are fair and they do investigations to determine liability. If they don't they can get in trouble with the Dept. of Insurance. If the other drivers carrier found you over 50% at fault it is probably because you have some liability too. Were you sp…eeding ? Were you inattentive ( on a cellphone, etc )? Could you not tell them your side of the story ? If so, and despite the fact the adverse driver ran the light they owe it to their client not to pay you 100%. Your carrier would also do an investigation to detremine what percentage they would pay of the advers drivers damage - it may or may not be the same as the other carrier is paying you. (MORE)
In Florida can the insurance company of the at fault driver be required to pay for rental car and medical bills?
yes, in all states if the insurance company has accepted full liability for the accident then they will also (under the 'at fault' party's liability coverages), provide a rental car to you, while yours is being repaired, and will owe for all medical expenses and an injury settlement (once you have f…inished treatment), that are accident related .....most times NO payment at all will be made on the injury until all treatment is completed and you are ready to settle...the property damage claim (fixing your car and rental) are two separate claims, and are handled as such, and cannot in anyway be combined....in other words they will go ahead and fix car etc....pay for that...and injury claim handled when ready...be sure and a) ask for a rental immediately, and b) advise them you are injured..... (MORE)
Which insurance companies cover non-emergency medical transportation for dialysis or follow-up medical appointments other than Medicaid?
If there was no insurance coverage through any company prior to the illness, or onset of symptoms, no coverage will be granted for that illness, and any charge related to it because it will be considered pre exsisting condition. If the transport is related to urgent reasons, and there was coverage p…rior, then any company that offers complete medical coverage, will pay. If you just want to ride in an ambulance cuz you don't feel llike driving, then no one will pay, and the ambulance shouldn't pick you up. But if a doctor says its medicaly necessary for escort and transport, then you may need preauth, but again, any good, real insurance company such as blue cross, aetna, cigna, etc will cover. (MORE)
If you turned your medical bills over to your insurance should he include these costs even if the other person's adjuster wants you to pay medical bills out of the final settlement?
Recovering medical expenses . \nI would consult with an Attorney, otherwise you may end up paying for some of your medical bills out of your own pocket after the final settlement. Insurance companies tend not to play fair, whether it be your insurance or the other parties. And ask people you know… if they can refer you to a good Attorney, as oppossed to those who advertise on T.V. A consultation with an Attorney is always free and worth the time.\n. \nHope this helps. (MORE)
If you win a lawsuit and have to reimburse the insurance company for medical expenses can you deduct those medical expenses?
Answer \n\n\nYou should be able to claim the medical expenses against your income tax, but there are limitations.\n\nYou may have to claim them for the year that they were incurred. Which may mean you have to re-file taxes for that year. And Medical deductions are subject to a percentage offset.… Consult your attorney, who should tell you when you get your award, or consult a tax expert.\n\n\n Answer \n\nI gather what happened is you had medical expenses that were originally paid by (say your) insurance company. And instead of subrogation, you continued the lawsuit and won. The money you won had to be returned to the insurance company that already paid you for it (recovered). \n\nIt is all going to offset - you can't deduct the medical expense unless you claim the income from the insurance company paying you for the lawsuit. But, the easiest handling would be just like any other covered medical expense...your insurance deductible and such costs are income tax expenses if they are above the minimums (unlikely). (MORE)
If you have coverage on your auto insurance policy that paysmedical expenses to you or to the hospital, the answer is yes thatyou do have to reimburse your health care provider. The healthinsurance policy states that they will pay for expenses incurred inan auto accident over and above any coverage …you may have on yourauto insurance. You agreed to this in your policy by taking out thepolicy, so you have no choice. It is actually illegal for you topocket money you received in duplicate payment for the sameexpenses, which is what this would be. (MORE)
Is it typical for an insurance company to require the deductible paid to them even if the accident wasn't your fault and you will be reimbursed for losses by the other driver's insurance?
Answer . I can't think of a time when the deductible is paid to the insurance company .......typcially would be paid to the repair facility, and is deducted from your settlement draft........i am assuming the following senerio: your vehicle was damaged and the other parties ins co had accepted …liability, your vehicle is in the shop and you will need to pay your deductible when the repairs are complete? two thing generally happen here......some times the other carrier will go ahead and issue the deductible on your behalf then when the 'supporting documents' have arrived they will pay your insurance company back (subrogation).......or (and unfortunately mostly), your company and you (via your deductible) pay the claim, then at fault carrier pays your insurance company back including your deductible, your company then reimburses your deductible to you...another option if you haven't already got your vehicle under repair....is to allow (some times wait) for other carrier to pay entire claim......if you could give me more information perhaps i can help you more...... (MORE)
Yes, they can. When you enrolled in the health plan and when you submitted the claim, you agreed to allow them to recoup money from any responsible party. It does not matter whether the responsible party was insured or uninsured; if they paid, the health plan has the right to recoup the money it pai…d for your care. (MORE)
Can you sue at fault driver in California who has insurance if his insurance company refuses to pay your claim for medical expenses or do you have to sue his insurance company?
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
Depending on the type of accident and sometimes who is responsible but generally yes.. Please, next time, read the fine print of your contract.
Is it legal to have medical insurance from a private health plan and still use a company paid plan for health costs during the 1 year waiting period for the private insurance to start paying claims?
United States: Check your SPD or plan of benefits. Generally speaking, unless it is specifically excluded then yes, it is legal. There is a process called COB: "Coordination of Benefits," whereby two employer-sponsored health plans will coordinate which plan pays first, or is the "primary" payer.… For example if you had coverage through your employer and your wife had coverage through her employer, the insurers would coordinate benefits between the two policies. This, however, is not the case when an individual purchases his or her own policy outside of an employment scenario for personal coverage. (MORE)
Cough up the money when your sick. I mean that literally, that would be way much easier!!
If the child support order states that you must pay for medical insurance are you also obligated to pay the dental and optical bills not covered by the insurance?
most of the time they give responsibility to CARRY the insurance on the child to one parent but also state that the other parent has to pay half of the medical bills that are aquired. Depends on the divorce papers. Its all about the legalities.. most of the time they give responsibility to CARRY th…e insurance on the child to one parent but also state that the other parent has to pay half of the medical bills that are aquired. Depends on the divorce papers. Its all about the legalities. (MORE)
When a person insured by a life insurance policy dies while the policy is "In Force", the death benefit is paid to the beneficiary.. Life insurance proceeds are usually not subject to state and federal income taxation.. But, if there is no beneficiary, the proceeds of a life insurance policy may b…e included in the estate of the deceased person. Then, it may be subject to state and inheritance taxes.. Also, the proceeds may be subject to federal estate taxation.. If you own all or part of the life insurance policy at the time of your death, the proceeds may be included in your gross estate for federal estate tax purposes.. Also, federal gift taxes and state inheritance taxes may apply to life insurance policy proceeds under certain circumstances. (MORE)
Yes, a medical provider will bill you for the portion of your billthat isn't covered by your insurance company. Normally, you paythis before you leave the office.
You pay premiums because insurance companies are a business and they are there to make a profit. Also, the premiums you pay go into a pool of money so the insurance company can pay out claims when necessary.
Perhaps, if the parent is a bona fide dependent of yours. Do you claim the parent as such on your taxes?. Best to check with the insurance carrier and your particular plan's exclusions, etc.. No, Only the following family sizes are allowed. (A) One adult (B) One adult and any children (C) Two adul…ts,and (D) Two adults and any children. I am not aware of any states that allow parents, even disabled ones, on an employees certificate of coverage. (MORE)
"Insurance Premium" is a big word that basically means money. A premium is paid by the insured to cover a certain amount of time in order to cover expenses insured by the policy.
Read your policy. : I understand the brevity of the above answer. Obviously no one can know what the policy says, except the person who is holding it. However, it may be that the question asker is having difficulty with the variety of small print and convoluted language, and that is certainly u…nderstandable. The way around that is to contact Human Resources - if this policy is through work - or the insurance company if you have purchased this privately. Ask them. They'll need your name and such, and the policy number. (MORE)
This largely depends on the jurisdiction. It is possible for some insurers to press for reimbursement from a settlement but it depends on a number of variables as well as the particular laws of the state. The article below goes into more detail on the possible instances where repayment is or is not …required. (MORE)
What is the consequences of not paying medical bills after receiving an insurance settlement when you're the passenger in the accident?
You used medical services and you intended to not pay the people who rendered those services? Do you believe they will simply ignore your non-payment? Answer: While you are not obligated to pay out of the settlement (Side note: looks like they should have sent that portion in for you to pay the peo…ple what they are due because you are to sorry to do so) You will still be obligated to pay them for providing you with medical service. They will either sue you, garnish your wages, or your bank account. (MORE)
What is the amount that an insured person must pay before reimbursement for medical expenses begins?
Your health insurance policy will specify DEDUCTIBLE amounts on the Declarations page (usually the first page) of the insurance policy. This is the amount that you must initially pay before the insurer is on the risk for any payment. Additionally, there are copayments, also specified in the policy, …for which you will be responsible. These recognize that the insurer is only responsible for a portion of covered expenses incurred. An example is that the insurer would pay 80% of the covered expanse, and the copayment would therefore be 20%, which would be the insured's responsibility. (MORE)
This depends on the insurance provider. Some cover only 25% of specific medical treatments, others could cover as much as 100%. Generally speaking most insurance providers cover 80% of a regular (preventative care) doctor visit or require a co-pay. Check the policy information before you purchase… insurance. Alternatively, if you already have insurance, contact your provider and ask what is covered. (MORE)
The insurance should cover an accident while it was in force. If you had insurance 2 months ago and the accident happened 2 months ago, coverages should apply. If the accident happened today and the coverage stopped 2 months ago, there should not be coverage.
Part of it is used to pay the wages of the people who work for the insurance company, part of it goes as earnings to the people who own the company, and some goes out to cover damages that insurance holders claim compensation for.
Can someone make a civil claim against you after a traffic accident even though they have been paid out by insurance company and does insurance company cover these costs?
If your policy limits were exhausted or all used up then they can. If not, refer them to your insurer.
What if the other insurance company says they are not going to pay this claim and that you need to file with your own company even though the other person was at fault and was cited?
File with your own company anyways. They have a 'no fault' claim that they will pay for you now, and it will be up to them to collect the money from the other company when it is resolved who is at fault.
I know from my 20+ years of medical billing, in my state of Georgia, we have the Georgia Insurance Commissioner. I'm certain all other states do as well. I have found all insurance companies are subject to rules and regulations of this office accept state aid insurance and medicare and insurance pro…vided for active military. I have called on my patients behalf and have referred patients to call also. This is an elected office and I have been fortunate to have worked with the same elected commissioner for 15 of 20 years. I have witnessed land slide cases against some of the larger insurance companies as a result of complaints from consumers and medical personnel. I have such a passion for what I do because so many consumers will accept payment denials of their claims because they believe they have no recourse. PLEASE don't be afraid to question any decision made by your medical insurance company. (MORE)
Yes, of course you can. You can take your prescription to a diffrerent pharmacy and you don't even have to tell them you have insurance. You can specifically ask that your pharmacy doesnt submit your prescription through insurance... but they still might inform them or at least inform the doctor. Th…ey do that to make sure you are not getting a controlled substance too soon. But if you are worried about it, just have the doctor call in that medication to a different pharmacy or have them give you the prescription and you take it to any pharmacy you want. When they ask you if you have insurance, so no. Hope that helps. :) (MORE)
Can your medical insurance company retroactively bill you for an increase in premium that they made?
They can bill you for anything they like. The more interesting, and more difficult, question is whether or not you have to pay it. That would depend on what exactly you mean by "retroactively" and "an increase in premium". It also depends on the exact terms of your contract with them. For example, …they can't just decide "Oh, we've decided you need to pay us $10,000 per month for your coverage, and that is effective as of 25 years ago, so fork over 3 million dollars or we'll sue." (MORE)
Family medical insurance cost can devastate a families budget. There are many companies that provide exactly what you need at a price you can afford. Call and let us evaluate your needs today.
I am not an attorney, however from personal experience being in a very bad crash. Once my case was settled, I was informed I had to pay back $40K in medical costs after the attorney got his 33% off the top. He negotiated, but I still paid back $30K. On a workman's comp, my ex had to pay out $10K …in medicals, plus the 20% from the top to the attorney. I found all this to be underhanded in Wisconsin because neither of us were informed about this liability from our attorneys until directly after we signed the settlement. (MORE)
Statute of limitations do not apply to settling of bills andpayments. The limitations will be a part of the contract.
What insurance company reimbursed all of your homeowners insurance premiums when you sold your house?
None. If you sell your home, you report that to your home insurance company and request cancellation of the policy as it is no longer needed. You will then be entitled to a refund of any unearned portion of the remainder of your policy term but you would not be refunded for the period of time …that the home was still covered. (MORE)
Yes, the insurer will pay for your care as long as you had coverage on the date of the surgery. It does not matter that in the month after the surgery, you ended your coverage.
In general, insurance policies will have a grace period within which premiums can be paid after the regular due date. If the premium is paid within the grace period, coverage continues as normal. If not paid by the end of the grace period, the policy lapses. If a claim occurs after the policy has la…psed, there will be no coverage. The policy may contain language limiting your ability to make a claim if the premium has not been made on time, although the grace period has not yet expired. Therefore, the precise answer to your question will be dictated by tje language of the policy. In all events, you should certainly make the premium payment before the grace period expires and the coverage lapses for non-payment of premium. (MORE)
The cheapest medical insurance is through the government for low-wage families, otherwise it is wise to shop around for specific needs. Many insurances provided through jobs have built in discounts, and some such as TriCare, provided to military personnel, is free to military members and their imme…diate family, provided near 100% coverage for most costs. (MORE)
Individual medical insurance is available from multiple providers. Places like Aetna, Blue Cross, Anthem, and Blue Shield all off plans strictly for individuals.
Some companies that offer medical insurance for individuals include Aetna, Anthem, Humana, and Cigna. For those who qualify in the United States, the government also offers Medicare and Medicaid.
There are many companies that offer medical insurance in the UK. Some of the most popular insurance companies include 'Saga', 'Staysure', 'Bupa', 'Simplyhealh' and 'Aviva'.
Do any insurance companies or other organizations offer medical fee reimbursements for someone who was being kept in a hospital until they could pay their fees?
The way that you question is worded, it sounds almost like you or they were being held hostage for payment of the fees. If that is the case, you should look at your problem less from the standpoint of insurance and more from the standpoint of a wrongful act by the hospital. You do not state where yo…u are located, but all states have regulatory authorities that have jurisdiction over hospitals--it may be a Department of Health. If this is a proper analysis of your issue, you might want to start there. (MORE)
There are various companies that offer discount medical insurance. Some of the companies that offer discount medical insurance are Assurant Health and AmeriPlan USA.
The following companies offer children medical insurances: Famis, AXA PPP Helthcare, Health Online, Insure Kids Now, Aviva, Bupa, April UK, Freedom Healthnet.
Is someone who was in an accident months ago and still have unpaid medical bills would it be still be covered by the insurance company?
This may be a tricky situation. Did you report the accident? Who was at fault? Was the coverage limit exhausted? Several factors may come into play. If limits were not exhausted, you did not settle the claim and sign a release, the company did not reimburse you for the claims that you did not forwar…d to the medical provider, and the time period for filing in your state has not expired, then you need to contact your adjuster to get them paid and it shouldn't be an issue at all. Just make sure they have the claims and that (MORE)