I hate insurance companies
I will first of say that I feel that I am one lucky guy. I have a great supporting wife and two wonderful healthy kids which I am thankful. What we've been going through lately is our son has somewhat of a speech delay that from everything that we've been reading about is most likely tied to the fact that he never crawled as a baby. At 10 months he popped up and started walking. There are studies that link ones speech development to the crossover motions that you get when you crawl as a baby. Well we're having to play catch up and he is going to Occupational Therapy once a week for an hour. The only issue is that this therapist is not on our insurance list nor do they submit claims to the insurance company. So this brings all the paperwork on myself. Every time we go I have to pay $80 bucks and then submit a claim form with the invoice.
Well I had done what I had been told my the insurance company to later find out we were missing the diagnosis codes.That took me two weeks to get that fixed so I had to re-submit 6 claims with the correct codes. Well a month later I call to check on the status. Well according to the lady on the phone they haven't gotten any new submittal forms from me... I went ballistic, all she would do would repeat what was on the screen. Round and round, she finally hung up on my since I basically told her that she can't help me that I want to talk with someone new. I called back and got a much nicer rep that told me that things can tend to get "lost" in the mail and that I should re-submit all the claim forms again. I grumbled and then asked if they have a fax #. She told me that she wasn't supposed to give it out but she gave it to me anyways.
This morning I send off 18 pages of claim forms and I'm hoping this is the end of them "losing" my submissions.
This is why I have a great dis-like for insurance companies. A word of advice to those that have to work with insurance companies. Challenge everything from them. If you don't like the response or the coverage, tell whomever you are talking to, to re-submit it. This has worked many times for us and instead of paying $1500 out of pocket for a procedure, I just had to pay $20 after I told them that I didn't like their response and to re-submit the claim.
Challenge everything!
Well I had done what I had been told my the insurance company to later find out we were missing the diagnosis codes.That took me two weeks to get that fixed so I had to re-submit 6 claims with the correct codes. Well a month later I call to check on the status. Well according to the lady on the phone they haven't gotten any new submittal forms from me... I went ballistic, all she would do would repeat what was on the screen. Round and round, she finally hung up on my since I basically told her that she can't help me that I want to talk with someone new. I called back and got a much nicer rep that told me that things can tend to get "lost" in the mail and that I should re-submit all the claim forms again. I grumbled and then asked if they have a fax #. She told me that she wasn't supposed to give it out but she gave it to me anyways.
This morning I send off 18 pages of claim forms and I'm hoping this is the end of them "losing" my submissions.
This is why I have a great dis-like for insurance companies. A word of advice to those that have to work with insurance companies. Challenge everything from them. If you don't like the response or the coverage, tell whomever you are talking to, to re-submit it. This has worked many times for us and instead of paying $1500 out of pocket for a procedure, I just had to pay $20 after I told them that I didn't like their response and to re-submit the claim.
Challenge everything!
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