Insurance co. does not want to pay medical bills. Will i have to? Accident not my fault?
carlos l asked:
chiropractic accepted 3 patients and claimed insurance co. would pay . Insurance co. is giving run arround. chiropractic is demanding pay. I dont think he cares who pay’s as long as he gets paid. claim in progress, will i have to pay if insurance does not.
The other guy’s insurance co. does not want to pay. Accident in phoenix,Az
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chiropractic accepted 3 patients and claimed insurance co. would pay . Insurance co. is giving run arround. chiropractic is demanding pay. I dont think he cares who pay’s as long as he gets paid. claim in progress, will i have to pay if insurance does not.
The other guy’s insurance co. does not want to pay. Accident in phoenix,Az
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October 15th, 2009 at 7:38 am
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Is this Worker’s Compensation, Liability (auto or property) or regular health insurance. That helps to answer your question more accurately.
October 16th, 2009 at 2:24 am
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Generally speaking you sign a paper that says you will be responsible for the cost of treatment. You may need to sue to get someone elses insurance co to pay. Sometimes just a letter from your lawyer is all it takes.
October 16th, 2009 at 9:10 pm
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Are you talking about a car accident? Because if that’s the case, your health insurance will not pay as long as another party was at-fault or the accident. However, the other party’s insurance will not pay for the medical bills until the rest of the claim is settled, which may take months (or longer, if you get a lawyer and/or contest the settlement offer.)
There is a possible ray of hope, though, depending on your state. In some states (Virginia, for example), you may collect against your own insurance policies for medical payments (if you have them), even if the accident was someone else’s fault. And there are no claims points associated (in Virginia) with filing such a claim.
I do business in 10 states and they all have different rules (and names) for such things, though. So, it’s best to contact your own agent/company and see whether or not there’s anything on your policy that may be able to help you out.
October 17th, 2009 at 3:14 am
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Well, you owe the chiropractor, then it’s up to YOU to get reimbursed from the insurance company. In some states, health insurance companies do NOT have to pay ANY medical bills related to an auto accident – your CAR insurance does that, and if you don’t HAVE medical payments, YOU do that.
In MOST states, health insurance won’t pay for a WORK related injury – WORKERS COMP does that.
So yes, YOU owe the chiro. And you need to get the declination in writing from your health insurance company, and you need to either file workers comp or auto, depending on what the “accident” was.
October 18th, 2009 at 5:38 pm
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The patient and/or parent is the one legally responsible for any bills incurred.
You don’t say if it is your company or the other company that won’t pay. That makes a big difference in the answers. You might want to edit your post and let us know what company and what state you are in.
Here is some GENERAL information that may or may not apply to your case.
The other persons insurance does not have a legal obligation to pay your med bills as they become due. If their driver is at-fault they have a duty to REIMBURSE you or your insurance company for paid medical bills when the claim is setlled.
If you have an automobile policy with Med Pay or Personal Injury Protection (PIP) turn the bills into your company for payment as they come due.
If you don’t have insurance then you are responsible for the bills.
Good Luck
October 21st, 2009 at 4:50 pm
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You’ll have to if insurance doesn’t. The accident wasn’t the chiropracter’s fault either, and he or she treated you so has payment coming,
You say the claim is in progress – then sounds like you might be OK, the insurance might take care of it. Good luck.
October 23rd, 2009 at 12:43 am
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Of course the chiropractor doesn’t care who pays – he just wants his money, and that’s completely fair.
Yes, you have to pay if your insurance doesn’t. Ultimately, you are always responsible for your medical bills, even if you have insurance coverage.
Sometimes in situations like this, it takes a while for the insurance company to pay because they’re investigating to make sure they know WHO is at fault. Stay on them to pay, but realize it may take time.
And in the meantime, work out a payment arrangement with the chiropractor.