| Author | Message | ||
     Chitti_babu Side Hero Username: Chitti_babu Post Number: 2753 Registered: 03-2012 Posted From: 66.232.234.50 Rating: N/A |
Starting talking to people who lived in similar situations....I will talk to Kd1 and get to know how to negotiate (or what to negotiate).... One more thing there is no immediate answer or solution to this .... so have patience as this involves large groups to be involved......and everyone tries to push it on the other......it will definitely eat your time....factor that before you start... | ||
| Raman Hero Username: Raman Post Number: 10256 Registered: 01-2009 Posted From: 159.182.1.4 Rating: N/A |
monna hd root canal ki out of network suggest sesadu maa dentist parigettukuntu elte allu treatment ayyak out of coverage only 50% annaru oka $800 smarpayami  | ||
| Maverick Legend Username: Maverick Post Number: 40722 Registered: 01-2008 Posted From: 204.86.209.200 Rating: N/A |
aa 8K doctor ni kattamanu..its nothing for her Who is this DB member? | ||
| Alochinchu Junior Artist Username: Alochinchu Post Number: 462 Registered: 03-2008 Posted From: 65.51.27.62 Rating: N/A |
you have a case to fight.. just talk to the Dr. she will talk to the hospital.. do not pay the out-of network.. don't be soft.. talk to the dr. that it is not your responsibility.. you have so many things that supports your case.. 1. Regular visiting Dr. should look after your insurance since she is the one who took care at the hospital. 2. She can cut her fees from hospital if needed 3. since the hospital was in-network. you can talk to insurance and the hospital.. over all let your Dr. take the lead since she is responsible.. you difinetely have a case.. out of network pay cheyamaku.. tell them you will only in-network.. | ||
| Vijay77 Comedian Username: Vijay77 Post Number: 1445 Registered: 06-2010 Posted From: 66.192.5.2 Rating: N/A |
She is the same doctor who checkedup my wife regularly. She is in HUMANA in-network. She does the C-sectionS in that Hospital ONLY. She is the same one who recommended this hospital and did C-section to my wife. Unfortunately, she was not aware that it was pulled out of HUMANA.
Balupu bhayya. Doctor in-network lo vunte, evarina out-of-network hospital ni suggest chesthara (eppudo inkonni months C-section vuntunnappudu). | ||
| Maverick Legend Username: Maverick Post Number: 40718 Registered: 01-2008 Posted From: 204.86.209.200 Rating: N/A |
ala negotiate cheyyatame..dont worry..u have atleast 6 months to settle this Who is this DB member? | ||
| Alochinchu Junior Artist Username: Alochinchu Post Number: 461 Registered: 03-2008 Posted From: 65.51.27.62 Rating: N/A |
ventane kattamaku.. 180 days dhaka problem undadhu.. find different ways to cut down by taking suggestions.. Is the Dr. affiliated with that hospital? Is the same Dr. did C-section? if the dr. for regular visit has nothing to do with that hospital you will be responsible.. ayina when having major thing at hospital you should have checked that first.. anyway.. first talk to the Dr. who recommended the hospital to you.. do not blame him.. tell him what happened and tell him since you are seeing them you expected the hospital suggested will be in-network.. find out what he can do or suggest.. you have to talk to your insurnace and explain.. do you have any other hospital near in-network? if not you can tell them there is no in-network and you had to go out-of-network.. finally two things.. 1. Talk to hospital and convince them to take in-network fees 2. Talk to Insurance and ask them to pay the differnce. some time you can conference them and make negotiations.. over all ga nuvvu $4000 extra kattalisivastundhi.. so they can accomodate that i guess. | ||
| Rgvrocks Junior Artist Username: Rgvrocks Post Number: 177 Registered: 04-2009 Posted From: 192.223.136.5 Rating: N/A |
it takes at least 6 months to reach to that stage, No hospital wants to throwin unpaid bills to collection agencies..they loose over 70% once they turn them in. - Ask for the Medical records from hospital, their lawyers ask you for the reasons, tell them .. you have doubts over the medical procedures they used, you think they did unnecessary procedures to jump up the costs not covered by the insurance. After asking lot of questions, Either they offer you a very good discount to calm you donw or in worst case will send you huge pile of records for free of charge. Not knowing which state you are located cant say whom to contact, but Medical records come with the Government Agency information for additional help if you think the hospital violated anything. Go through each record, you can find lot of unnecessary charges/procedures in it, call them back saying..you are going to contact the government agency to review these documents. they will try to have discussion with you, in worst case, you are not going to loose anything, just turn them over to the govt agency with a letter attached to it. keep saying..you cant afford to pay that bill, they will continue to offer more & more discount, Keep paying $50 or $100 monthly until they really turn it over to collection agency. Even when it is in Collection Agencies hand, the agency calls you to negotiate hard offering discount %, your credit history does not affect at all if you pay at that stage. The agency usually offer you the final discount, ideally should bring down 10k..close to 4k or lower. Meanwhile..read your Insurance policy fine prints, try to get them pay more .everytime you call ask for the Manager's of usual Reps. good luck | ||
| Telugu_times Moderator Username: Telugu_times Post Number: 32734 Registered: 02-2008 Rating: N/A |
as long as you are negotiating with them, they will not send it to collection agency | ||
| King Side Hero Username: King Post Number: 3840 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
let bill come couple of times and when they call, start negotiating Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 3318 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
usual ga at least 3 months time istaaru, konni hospitals 4 months istaaru, sending you reminder bills almost every month. After that, you will get a final notice indicating if you do not pay, your bill will be sent to collections department. Still you can call them and ask them put a hold on it as you are negotiating on the amount. So, long story short, you have a quite a bit of time to deal with this. Don't worry. | ||
| Vijay77 Comedian Username: Vijay77 Post Number: 1444 Registered: 06-2010 Posted From: 66.192.5.2 Rating: N/A |
Bill inko month lo vasthundi. Nenu negotiations start chesthundaga collection agency ki pampisthara? Ennallalo bill pay cheyyaka pothey CA ki pampistharu. | ||
| Vijay77 Comedian Username: Vijay77 Post Number: 1443 Registered: 06-2010 Posted From: 66.192.5.2 Rating: N/A |
Bill vachi, few weeks/months negotiations lo vundaga collection agency ki enni months pampistharu. | ||
| Telugu_times Moderator Username: Telugu_times Post Number: 32733 Registered: 02-2008 Rating: N/A |
Let me tell you one example...how it works... A friend of mine....oka church lo, vaalla ammai first brithday chesindu. in the end of the birthday, last lo....chinna pillalu edho mess up jesinatlunnaaru kitchen lo. mantalu. fire fighters and all. bill 20K. mantala kantay kooda, water falling from the roof damaged a lot. church vaallu 20K bill pumpinchindru. my friend delayed 5 months. in the end, he has apartment insurance. that paid that 20K bottomline, nuvvu end varaku saaga dhiyyu. dont panic and keep negotiating them, so that they dont send it to collection agency | ||
| Analog Side Hero Username: Analog Post Number: 2467 Registered: 05-2008 Posted From: 129.110.5.89 Rating: N/A |
2,3 months ayyaka call chestharu..appudu deal cheyyandi... NenoDi neeve gelichi... nee gelupu naadani thalachi... raagaalu ranjilu roje raaji rammanTi | ||
| Amigo Comedian Username: Amigo Post Number: 1170 Registered: 05-2011 Posted From: 144.160.226.53 Rating: N/A |
First doctor office...tell them they are at fault....and stick to lowest like TT says. for few days dont budge | ||
| Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 3316 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
First of all, congrats on the new baby. Now, go home and take care of your wife and the new born. I am not sure why you are worried about the bills already. Tell the hospital to mail you the bills and you will take care of them later. In the mean time, tell doctor's office that they misinformed you about hospital. They may help you in negotiating a lower payment with the hospital since hospital gets business from the doctors. Once you get the bills, get in touch with billing department and doctor's office, have a conference call if need be, and negotiate hard. You may end up paying more than 2000, but definitely not 10000. How much you pay depends on how hard you will argue with Doctor's office and Hospital, in that order. | ||
| Politricks Hero Username: Politricks Post Number: 13660 Registered: 03-2008 Posted From: 146.1.1.3 Rating: N/A |
Vijay77 Negotiate cheyochhu so kangaru padaku...take time and negotiate...10K kastha oka 5K ki ayithe set seyochhu! PULP thammud about JAGAN REDDY: vaadu oosaravelli kaadhu simhabaludu! | ||
| Analog Side Hero Username: Analog Post Number: 2466 Registered: 05-2008 Posted From: 129.110.5.89 Rating: N/A |
dont panic...1 month ayyaka bills vasthayi..you will be surprised...some times bills thakkuva kuda ravochu...it happened in our case.......aa tharvatha kuda negotiate chesthe inka thaggayi..it's not the time to worry and congratulations  NenoDi neeve gelichi... nee gelupu naadani thalachi... raagaalu ranjilu roje raaji rammanTi | ||
| Oohlala Side Hero Username: Oohlala Post Number: 3122 Registered: 09-2008 Posted From: 173.36.196.9 Rating: N/A |
Dont lose sleep over it, you can negotiate.... | ||
| Kdnumber1 Hero Username: Kdnumber1 Post Number: 17751 Registered: 02-2009 Posted From: 50.73.197.253 Rating: N/A |
I was in same situation in 2007, I spoke with hospital Billing manager over phone for a month daily....finally they adjust with the bill, somehow the manager add more things to bill and got from insurance company....finally i did not pay anything....it took almost 6+ months from Aug07-Jan08 | ||
| Vijay77 Comedian Username: Vijay77 Post Number: 1442 Registered: 06-2010 Posted From: 66.192.5.2 Rating: N/A |
Doctor office emanna involve avuthundaa? Insurance comany vallu emanna negotiate chethara. Nenu weekly call chesi negotiate cheyyala. | ||
| Telugu_times Moderator Username: Telugu_times Post Number: 32732 Registered: 02-2008 Rating: N/A |
say 2,000 and stick to it. Initially, in the first month or so....Dont give them an impression that you are ready to pay half of it (5,000) stay firm at 2,000 Later....depending on so many things...you can ... | ||
| Oohlala Side Hero Username: Oohlala Post Number: 3121 Registered: 09-2008 Posted From: 173.36.196.9 Rating: N/A |
Yes, we need to check if the hospital, diagnostic center, doctor and anesthesiologist are in-network. basically thats the first question you need to ask before accepting any medical service....do you take my insurace, is it network? | ||
| Amigo Comedian Username: Amigo Post Number: 1169 Registered: 05-2011 Posted From: 144.160.226.53 Rating: N/A |
Bro inka chala time undhi bro...collection agency inka vellaledu kada....start your negotiations from 0 over phone | ||
| Vijay77 Comedian Username: Vijay77 Post Number: 1441 Registered: 06-2010 Posted From: 66.192.5.2 Rating: N/A |
At first I told them that I don't want to pay anyting more than 2000. I knew they will not agree. Hospital wants to check if any information that 'it is not in HUMANA anymore' is passed to the doctor's office. Doctor's office was telling me that they were nver informed about it. Finally at what amount I could settle if the final bill is $10000. | ||
| Amigo Comedian Username: Amigo Post Number: 1168 Registered: 05-2011 Posted From: 144.160.226.53 Rating: N/A |
I will take care later...ani chppu bro...dont pay anything now. Then slowly we can disucss all options | ||
| Telugu_times Moderator Username: Telugu_times Post Number: 32731 Registered: 02-2008 Rating: N/A |
Yup. and Insurance folks know what they do . Usually, they are flexible. | ||
| Komaranna Side Hero Username: Komaranna Post Number: 3009 Registered: 07-2010 Posted From: 12.34.246.73 Rating: N/A |
negotiation bongu emi vundadu....but they can help to direct to some charity organizations who will pay on behalf of us..my friend has same problem but different issu not child birth.. also db doctur new any farmer views sepali | ||
| Analog Side Hero Username: Analog Post Number: 2465 Registered: 05-2008 Posted From: 129.110.5.89 Rating: N/A |
+1 NenoDi neeve gelichi... nee gelupu naadani thalachi... raagaalu ranjilu roje raaji rammanTi | ||
| Analog Side Hero Username: Analog Post Number: 2464 Registered: 05-2008 Posted From: 129.110.5.89 Rating: N/A |
Relax...Mundu baby ni theesukuni intiki velliondi...India lo laga bill ventane kattakkarledu...you have been minformed kabatti mundu doc office lo adganadi... final ga ledu kattalsinde ante negotiate cheyyochu..kastha patience kavali... NenoDi neeve gelichi... nee gelupu naadani thalachi... raagaalu ranjilu roje raaji rammanTi | ||
| King Side Hero Username: King Post Number: 3839 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
dont loose sleep over it. First enjoy your new born..bill can wait and they will also wait. Negotiate hard and keep postponing ..they will eventually come down Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Vijay77 Comedian Username: Vijay77 Post Number: 1440 Registered: 06-2010 Posted From: 66.192.5.2 Rating: N/A |
Ikkada pichekkuthundi. Emi cheyyali. Moosukoni, bill kattevala? | ||
| King Side Hero Username: King Post Number: 3838 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
Hospital was right, when you pick your hospital and go for a tour they will make you fill out the form and discuss with you talk to your Doctors office as it is their mistake. Dont rush and pay the bill.. have lot of patience and and whine if required (mohamatam lekunda on phone). bill is negotiable Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Vijay77 Comedian Username: Vijay77 Post Number: 1439 Registered: 06-2010 Posted From: 66.192.5.2 Rating: N/A |
My humana plan is 2000 in-network deductable. 6000 out network and 30-70 afterwards. Maximum 12000 out of pocket. My wife went for regular checkup during pregnacny and doctor is in-network. Doctor suggested for C-section at another hospital which was once in-network. On 9/19, my wife delivered the baby. When I went today to make payment, office lady said that this hospital is outOfNetwork. Instead of 2000 as I expected it could be around $10000. What should I do in this situation: Mistakes: (1) Doctot thought that it was in-network and doctor's office was never informed by hospital that it was pulled out of network. (2) Doctor scheduled it one month before and told us that hospital will contact us. but never contacted. (3) Hospital said it was the duty of the patient to fill the in-patient admit form before joining, then they would have discussed about the benifits. But my doctor didn't give me the form. I didn't have any communication with hospital until 9/19 morning. (4) When I gave my insurance card on 9/19 morning,lady didn't even said that this hospital is out-of-network. (5) I didn't check if this hospital is in network or not as doctor office once said that i have to pay $2000. When I asked for the clarification today, docor office said that they said about doctors benefit but my plan benifits. For all these mistakes, it was messed up and I have to pay around 10000 instead of 2000. What are all your suggestions? |
