Insurance problem? anyone else enjoy this?
My Insurance is though my Husbands work and we have a 5 month old daughter. Well we have have all her Normal well visits and Immunizations and presently the insurance is saying that we have reached to max amount of $500 for Preventative watchfulness which includes immunizations!! My question is if anyone else has hear of this. I have spoken to the HR dept at my husbands work and they say yes and act resembling this is normal! I of course am going to write a letter since they are surrounded by the works to renew the policy for next year. Because of this we owe the doctors office $380 and will have to rate $75 per visit her after and get her shots through the state, which I have no problem beside but I just dont think the state should have to foot for something that my insurance should cover...anywho anyone else run into something like this or any other dumb insurance stories!!
A lor of insurance plans do this! As crummy as it is they can do it and no letter will change it! That is the plan your husbands work picked and the contract you have.
You should be capable of go to the local health dept for any immunizations for free though and I believe they will also do resourcefully baby checks. Just like weight etc.. though.
It sucks I know! We discharge for our own insurance so I looked at a ton of plans before picking ours and a bunch of them had the $500 limit for in good health checks, and that gets you nothing! They go to the Dr so normally the first year.
I haven't had this problem, but we do have a problem with an urgent caution visit. Our copay for urgent care is $50, for emergency it is $150. We had a look in to urgent care over 3 months ago and keep getting billed for $150. We have spoken to both the urgent watchfulness center and the insurance company SIX TIMES about this and they keep saying they will clutch care of it and yet we keep getting bills.
Oh powerfully -- we won't have to worry about this much longer once we hold NATIONAL HEALTH INSURANCE! :-(
This hasn't happened to me but I do have a crazy story. My husband's policy (we each own individual policies to save money...no employment insurance as we are self employed) states that he has copays and an 80/20 split BEFORE the deductable. The first time he went to the dr be for an elbow injury. They did several xrays totaling about $300. I was told by the agent that everything would be covered in the 80/20 split intent we would have to pay his copay of $35 and then 20% of the bill. When the bill come in NOTHING was covered. It cost us more for his premium and the one visit than it would own if he had been a cash lenient without the adjustments the drs give to insurance companies. So I switched his policy right away!
My other random story is that my policy had no maternity coverage and we want another babe. So I called to add maternity and it be going to increase by $266 for me alone. I was going to be paying $352 a month. It was going to be cheaper to pay currency for an OBGYN without insurance over the long run. So I switched mine as well.
My advice is to rob notes everytime you talk to someone. Get their name and ID number if they hold one. Make a record of the conversation and date you had it. It may help out if you encounter a problem after that. And read the fine print.
Well i have a really stupid insurance story. Well im a single mom and my daughter is on Medicaid, well i have insurance through my work presently but i cannot sign up until november and then it doesn't start until january. Really dumb i know. Well the ors says she has to own insurance, of course she does i agree, so i was hoping she could stay on Medicaid or get on chip. One morning i open the mail and there is 2 insurance cards for me and lily from my work, so i send for them up and see what is going on. Well the ors called my work and they have to put me on insurance so now i retribution 22.00 each paycheck and my deductible is 3300.00 dollars. I get no child support because he is laid off and i can narrowly make it by and here they are just setting me up for random insurance that i cannot afford and i can't even adaptation the policy to a cheaper policy.
Answers: Yes, exact same thing happened to me. What make me even more upset, is that when my son was born, I called my insurance company to check to see if my baby's well perfectionism visits and immunizations would be covered. They looked up my policy and said "yes". Well, now my babe is due for his six month check up and shots and the dr's office called and said that we had maxed out and that we owed them $561. We call the insurance company and they said "oh, you're only allowed $400 in well guardianship preventative, immunizations, etc." I explained to them that I called to ask about this and they said "oh, we enjoy no record of you calling". So, looks like I owe our doctor $561 and the rest of his well safekeeping baby visits will have to be remunerated out of pocket, and I have to start getting this shots from the state. So, yes, I have the same problem beside my insurance company!! Stinks!
I haven't had that problem, but I don't have that type of insurance. You really need to read the small print on those policies. I would patently put a halt to renewing that policy, and see if you pay a little more every month, his company might have a more desirable policy.
Edit: You should look into a policy beside copays on doctor's visits and all that. You won't run into this problem that way. Yeah, the premiums are for a while higher, but you don't end up footing the bill after so many visit. We pay $10 co pays at all well check visit, and $10 co pays for all prescriptions. $50 co pay for emergency services, no co pays for sick child visits or hospitalization. It's a Kaiser plan.
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A lor of insurance plans do this! As crummy as it is they can do it and no letter will change it! That is the plan your husbands work picked and the contract you have.
You should be capable of go to the local health dept for any immunizations for free though and I believe they will also do resourcefully baby checks. Just like weight etc.. though.
It sucks I know! We discharge for our own insurance so I looked at a ton of plans before picking ours and a bunch of them had the $500 limit for in good health checks, and that gets you nothing! They go to the Dr so normally the first year.
I haven't had this problem, but we do have a problem with an urgent caution visit. Our copay for urgent care is $50, for emergency it is $150. We had a look in to urgent care over 3 months ago and keep getting billed for $150. We have spoken to both the urgent watchfulness center and the insurance company SIX TIMES about this and they keep saying they will clutch care of it and yet we keep getting bills.
Oh powerfully -- we won't have to worry about this much longer once we hold NATIONAL HEALTH INSURANCE! :-(
This hasn't happened to me but I do have a crazy story. My husband's policy (we each own individual policies to save money...no employment insurance as we are self employed) states that he has copays and an 80/20 split BEFORE the deductable. The first time he went to the dr be for an elbow injury. They did several xrays totaling about $300. I was told by the agent that everything would be covered in the 80/20 split intent we would have to pay his copay of $35 and then 20% of the bill. When the bill come in NOTHING was covered. It cost us more for his premium and the one visit than it would own if he had been a cash lenient without the adjustments the drs give to insurance companies. So I switched his policy right away!
My other random story is that my policy had no maternity coverage and we want another babe. So I called to add maternity and it be going to increase by $266 for me alone. I was going to be paying $352 a month. It was going to be cheaper to pay currency for an OBGYN without insurance over the long run. So I switched mine as well.
My advice is to rob notes everytime you talk to someone. Get their name and ID number if they hold one. Make a record of the conversation and date you had it. It may help out if you encounter a problem after that. And read the fine print.
Well i have a really stupid insurance story. Well im a single mom and my daughter is on Medicaid, well i have insurance through my work presently but i cannot sign up until november and then it doesn't start until january. Really dumb i know. Well the ors says she has to own insurance, of course she does i agree, so i was hoping she could stay on Medicaid or get on chip. One morning i open the mail and there is 2 insurance cards for me and lily from my work, so i send for them up and see what is going on. Well the ors called my work and they have to put me on insurance so now i retribution 22.00 each paycheck and my deductible is 3300.00 dollars. I get no child support because he is laid off and i can narrowly make it by and here they are just setting me up for random insurance that i cannot afford and i can't even adaptation the policy to a cheaper policy.
Answers: Yes, exact same thing happened to me. What make me even more upset, is that when my son was born, I called my insurance company to check to see if my baby's well perfectionism visits and immunizations would be covered. They looked up my policy and said "yes". Well, now my babe is due for his six month check up and shots and the dr's office called and said that we had maxed out and that we owed them $561. We call the insurance company and they said "oh, you're only allowed $400 in well guardianship preventative, immunizations, etc." I explained to them that I called to ask about this and they said "oh, we enjoy no record of you calling". So, looks like I owe our doctor $561 and the rest of his well safekeeping baby visits will have to be remunerated out of pocket, and I have to start getting this shots from the state. So, yes, I have the same problem beside my insurance company!! Stinks!
I haven't had that problem, but I don't have that type of insurance. You really need to read the small print on those policies. I would patently put a halt to renewing that policy, and see if you pay a little more every month, his company might have a more desirable policy.
Edit: You should look into a policy beside copays on doctor's visits and all that. You won't run into this problem that way. Yeah, the premiums are for a while higher, but you don't end up footing the bill after so many visit. We pay $10 co pays at all well check visit, and $10 co pays for all prescriptions. $50 co pay for emergency services, no co pays for sick child visits or hospitalization. It's a Kaiser plan.
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