Q. Is it legal for an insurance company in Kentucky to cancel a policy with the 5 day written notice?
Under the common provisions 'cancelable'
I live in Kentucky and I am about to take my insurance exam and I am reading up the info in the book. It said "not legal in many states" I just wondered if Kentucky was one or not. Its for Health Insurance.
Under the common provisions 'cancelable'
I live in Kentucky and I am about to take my insurance exam and I am reading up the info in the book. It said "not legal in many states" I just wondered if Kentucky was one or not. Its for Health Insurance.
A. More facts please. What type of insurance. Were there any claims. Does the existing policy address cancellations notice, and what does it state. Are your payments current. Has there been any negative exchanges between you and the insurance company. What reasons were given.
How do i fight with an insurance company and win?
Q. I had surgery in June and my insurance has no deductible. The insurance company paid the doctor and the pathologist, but they wont pay the hospital. the insurance company says they havent gotten a bill. the hospital says they have sent it and received a denial with no explanation from the insurance company. I dont know what to do. I've asked for the hospital to send me the bill to submit myself, but they dont do it. They say they do, but I never get it. I'm so frustrated. What can I do??? The hospital has an out-of-state company do their billing or I would go there in person. My insurance company is also out of state. *sigh* help.. i have no deductible, there is no reason why they wouldnt pay, they've paid everything else I just think the hospital is messing up. any suggestions?? thanks!
A. At this point I don't think it's the insurance you need to fight. It's the Hospital. I mean if you haven't gotten what they promised to send you numerous times, you think the insurance got their claim? If the insurance denied it, it would state a reason and if not the Hospital would have called to find out the reason.
Call the hospital billing department and tell them to fax you a copy of the insurance EOB (explanation of benefits). If the insurance denied your claim there will be a claim number given by the insurance company. If they don't do it then tell them you want to talk to a manager. Once you get the denial you can call your insurance company and give them the claim number. They can look it up this way to pull up the denied or paid claim. Also Ask them to fax you your UB-92 form for your services there. Call them while your standing next to a fax and explain to them that they were suppose to do this serval times and you have not received it so you'd like to stay on the phone with them until the fax comes through. Again if they do not help tell them you want to talk to a supervisor.
Everytime you insurance processes a claim they should be sending you an explanation of benefits too showing you what they paid for each of your services. Look for these and match them with your statements.
Also, many insurance companies have online services where you can pull up your claims online. So YOU can pull up everything they ever paid for you and if they denied a hospital claim it will say so on there.
Finally, if you insurance did deny the cliam they give you a certain number of days to appeal the decision. You may want to pull out your policy manual and see what that is for your plan. An appeal is a written notice to your insurance carrier stating you do not agree with their decision.
A lot of the times your physicians office will be willing to help you. Call they billing department at your physicians office and explain to them what's going on. They may know someone at the hospital who can help.
Good luck.
Call the hospital billing department and tell them to fax you a copy of the insurance EOB (explanation of benefits). If the insurance denied your claim there will be a claim number given by the insurance company. If they don't do it then tell them you want to talk to a manager. Once you get the denial you can call your insurance company and give them the claim number. They can look it up this way to pull up the denied or paid claim. Also Ask them to fax you your UB-92 form for your services there. Call them while your standing next to a fax and explain to them that they were suppose to do this serval times and you have not received it so you'd like to stay on the phone with them until the fax comes through. Again if they do not help tell them you want to talk to a supervisor.
Everytime you insurance processes a claim they should be sending you an explanation of benefits too showing you what they paid for each of your services. Look for these and match them with your statements.
Also, many insurance companies have online services where you can pull up your claims online. So YOU can pull up everything they ever paid for you and if they denied a hospital claim it will say so on there.
Finally, if you insurance did deny the cliam they give you a certain number of days to appeal the decision. You may want to pull out your policy manual and see what that is for your plan. An appeal is a written notice to your insurance carrier stating you do not agree with their decision.
A lot of the times your physicians office will be willing to help you. Call they billing department at your physicians office and explain to them what's going on. They may know someone at the hospital who can help.
Good luck.
What auto insurance company or small company is cheap for drivers under 25 in arizona?
Q. I am going to get a car soon and i want to look for an insurance company that is cheap and won't really burn a hole in my wallet. Maybe someone cheaper than 120-150 per month? Please give me name and estimate price for which car.
A. A good insurance company for one may be the worst for another. Your question cannot be answered. Simply do what we all have to do. call around for quotes and choose the best quote for YOU. There is no such thing as a "small" or "cheap" insurance company in Az or anywhere.
What insurance company is the cheapest for an 18 year old?
Q. What insurance company is the cheapest for 18 year olds, and has anyone got any tips on how to get your premium down? thanks.
A. You'll have to call around - age is only one of the risk factors that insurance companies take into account - they also rate for credit, location, gender, driving record, etc. Meaning you could get a insurance for one price while a friend who livers one mile away with exactly the same other risk factors might get a higher quote from one company but a lower quote from another.
Ways to bring down your premium include good grades, using your parents' insurer (put your car on their policy), take a defensive driving class. Cal an agent and ask about discounts.
Ways to bring down your premium include good grades, using your parents' insurer (put your car on their policy), take a defensive driving class. Cal an agent and ask about discounts.
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