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US health insurance - How to deal wit...

Chalanachithram.com DB » New TF Industry Related » Archive through February 04, 2015 » US health insurance - How to deal with them. « Previous Next »

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Jake_ryan
Junior Artist
Username: Jake_ryan

Post Number: 747
Registered: 01-2008
Posted From: 129.192.170.250

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Posted on Monday, February 02, 2015 - 05:24 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:




thanks for the info; hope this holds..
every phone call scares me; each time I open the post box heart beats.
Still paying off the debt that I took to pay off the 25k.

costly mistake for not choosing the preexisting coverage while taking the insurance..
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Maverick
Legend
Username: Maverick

Post Number: 55525
Registered: 01-2008
Posted From: 108.171.130.186

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Posted on Monday, February 02, 2015 - 04:49 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jake_ryan:

one thing not clear to me was: we sign a form while filing for visa for parents saying we will pay toward their expenses while they are here.. if hospital bills are uncovered, what would hospitals do? Will they come after us?




no, if they are not a burden of state you are fine. USCIS will not interfere with that
Happy Vizag
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Lichtenberg
Comedian
Username: Lichtenberg

Post Number: 1482
Registered: 08-2013
Posted From: 162.115.236.103

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Posted on Monday, February 02, 2015 - 04:45 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jake_ryan:

if hospital bills are uncovered, what would hospitals do? Will they come after us?



they sell to collection agencies on percentage basis and/or write off as charity

Try this https://healthcarebluebook.com to see approx costs
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Jake_ryan
Junior Artist
Username: Jake_ryan

Post Number: 746
Registered: 01-2008
Posted From: 129.192.170.250

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Posted on Monday, February 02, 2015 - 04:43 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

one thing not clear to me was: we sign a form while filing for visa for parents saying we will pay toward their expenses while they are here.. if hospital bills are uncovered, what would hospitals do? Will they come after us?
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Jake_ryan
Junior Artist
Username: Jake_ryan

Post Number: 745
Registered: 01-2008
Posted From: 129.192.170.250

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Posted on Monday, February 02, 2015 - 04:39 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

goodluck Mamamiya786
Been there. Father was hospitalized while he was here; kharma koddee, choosukokundaa teesukunna policy doesnt have the pre-existing coverage; so, insurance said it wont cover the bills.
In the heat of the moment, didnt know what docs I signed; didnt know that you shouldnt sign any papers but too late.
While in the hospital, cleared most of the bills (daggira daggira 100k ayyindhi for three days in ICU and two days normal stay with labs, therapies and everything else); they had a promotion and said if I could pay it off, they would give 75% discount. If not, have to pay in full. So, while checking out paid close to 25k as I was afraid it will come back bite me.
Still keep on getting few other pending bills; trying to ignore; getting calls once a week.. all are with dad's name.. so, just hoping nothing will happen to me.. he left for india now.
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Dreamcatcher
Side Hero
Username: Dreamcatcher

Post Number: 6773
Registered: 11-2009
Posted From: 208.86.145.68

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Posted on Monday, February 02, 2015 - 04:10 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mamamiya786:

in the end i am ready to pay 10 to 15k ...but more than that is going to bleed me ...

lets see how it comes out.




As long as bills are on her name, you have nothing to worry. First, make sure insurance pays what they have to pay. Then, there are many things you can do. With hospitals, you can apply for charitable exemption, saying your mom cannot afford the bill (you will have provide supporting documents of her income and all). Most of the hospitals will agree to this if they have received everything they need to get from insurance. Next, You can bargain with everyone, including hospitals and doctors. they usually give you two option, one time reduced payment or monthly payment plan. GO with whatever you feel comfortable.
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Warren
Junior Artist
Username: Warren

Post Number: 362
Registered: 02-2009
Posted From: 173.76.193.235

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Posted on Monday, February 02, 2015 - 03:57 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

mamamiya..

emi documents oo teliyadu... but one of my friend father was hospitalized and he made sure that he did not sign any document. Bills went to fathers name. Later hospital finally agreed for some amount.
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Mamamiya786
Hero
Username: Mamamiya786

Post Number: 17296
Registered: 06-2008
Posted From: 206.57.79.197

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Posted on Monday, February 02, 2015 - 03:56 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

in the end i am ready to pay 10 to 15k ...but more than that is going to bleed me ...

lets see how it comes out.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
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Mamamiya786
Hero
Username: Mamamiya786

Post Number: 17295
Registered: 06-2008
Posted From: 206.57.79.197

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Posted on Monday, February 02, 2015 - 03:53 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Dreamcatcher:

hope you made sure all the bills are on your mom's name.




I think the bills will come under her name only.

i just signed one documenbt ...my name and social ..or other details ..they never asked me .
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
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Mamamiya786
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Username: Mamamiya786

Post Number: 17294
Registered: 06-2008
Posted From: 206.57.79.197

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Posted on Monday, February 02, 2015 - 03:52 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Warren:

MAMIYA..

nivu sign cheshava document?

if did not sign then it wont come to you.




which document ? i signed a few documents in hospital ? how can i deny ?

Now i have to fight with insurnace and hoospital about the bills and payment.
Long way to go.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
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Dreamcatcher
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Username: Dreamcatcher

Post Number: 6771
Registered: 11-2009
Posted From: 208.86.145.68

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Posted on Monday, February 02, 2015 - 03:35 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Warren:

nivu sign cheshava document?




this is very crucial. hope you made sure all the bills are on your mom's name.
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Warren
Junior Artist
Username: Warren

Post Number: 361
Registered: 02-2009
Posted From: 173.76.193.235

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Posted on Monday, February 02, 2015 - 03:33 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

MAMAMIYA..

nivu sign cheshava document?

if did not sign then it wont come to you.
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Andhrawala
Legend
Username: Andhrawala

Post Number: 36964
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Monday, February 02, 2015 - 03:23 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mamamiya786:

sudden and un expected recurrance of pre existing condition 50k annadu,




Hospital vaadu bill entha annaaadu

Also u can engotiatee

Problem with these isnurances is they dont have negotiated aka discounted rate which is available for normal insurance carruers

dont be surprised if the bill is above 150K alsooo
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Mamamiya786
Hero
Username: Mamamiya786

Post Number: 17292
Registered: 06-2008
Posted From: 206.57.79.197

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Posted on Monday, February 02, 2015 - 03:19 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

Operation US lo aindhaa leka India naaa

kvrao.org vaadi Indianetwork Insurance is thro AIG. It covers even hospitalization for pre-existing condition




already cheincham ...ikkade . Patriot america is the insurance.

Next time KV Rao insurance teesukunta..

sudden and un expected recurrance of pre existing condition 50k annadu,
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
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Andhrawala
Legend
Username: Andhrawala

Post Number: 36962
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Monday, February 02, 2015 - 03:11 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mamamiya786:

entha varaku gooddu ? entha varku cover chestai .

ma mother ki suregery ayyindi ...hip bone fracture aithe ..

she is fine now. Operation doone.




Operation US lo aindhaa leka India naaa

kvrao.org vaadi Indianetwork Insurance is thro AIG. It covers even hospitalization for pre-existing condition

means it covers bypass surgery etc if surgery is needed or else life threat

Generally for any kind of no risk surgery means better goto India and get it done
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Dreamcatcher
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Username: Dreamcatcher

Post Number: 6770
Registered: 11-2009
Posted From: 208.86.145.68

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Posted on Monday, February 02, 2015 - 03:04 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

who is the insurance company? all i can say is, be patient. you have to deal with both hospitals/doctors as well as insurance company. keep all the documentation properly. god speed.
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Mamamiya786
Hero
Username: Mamamiya786

Post Number: 17290
Registered: 06-2008
Posted From: 206.57.79.197

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Posted on Monday, February 02, 2015 - 03:02 pm:   Insert Quote Edit PostDelete PostView Post/Check IPPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

entha varaku gooddu ? entha varku cover chestai .

ma mother ki suregery ayyindi ...hip bone fracture aithe ..

she is fine now. Operation doone.

Now insurance fight any idea how good are these insurances ..i bought some thing in insubuy.com , don't even remember the name.
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|

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