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Fight with the insurance company.

Posted By: insurance stinks. on 2005-08-11
In Reply to: Please sm - questioning a bill I received

Why would they deny it?  Unless it's an unauthorized procedure via HMO.  Bleah.  I'd also talk with your daughter to see if she has concerns.  Be patient, though.  She'll talk to you if she knows you'll talk with her instead of yelling at her.


I'm fighting a bill for several thousand dollars that has been denied three times now in the past 18 months.  However, I legitimately had dual insurance coverage at the time, so I shouldn't have had to pay anything out of pocket.




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You will lose this fight. No company is listening

to whiney MTs in their quest for the bottom line profits.  There are too many other people who will happy to work for less just for the opportunity to work at home and then again there are those offshore who will work for even less for the opportunity to simply work, any where, any time, any place.


And as far as battles go, who you going after and how do you prove you were wronged. 


Then factor in the MTs who are getting the good reports.  Are they going to fight the cherry-picking unethical battle with you.


Sorry it's a lost cause and it is the nature of the business.  Maybe 10 years ago you might have had a chance.  Nevermore.  That is reality. 


 


 


The insurance company (sm)

that I chose to apply with (Humana) did not require that I take a physical.  They only required that I disclose all visits, health problems, prescriptions, etc. for the past, if I remember correctly, 10 years.  I believe it depends on which insurance company you apply with.  Some may want a physical and some may only go back 5 years.  Also, depending on what state you are in, I believe some states only allow insurance companies to go back 1 year or several months for disclosure.  The Web site is only a tool to compare several plans through one site.  In order to get immediate quotes, you only have to put in your zip code, gender and DOB of all people on the plan.  You do not have to give your E-mail address or other contact information unless you decide to apply.  Also, you may want to visit AARP's Web site.  I found a lot of good info there.


You need to contact your insurance company because..
Your provider (oncologist) has a signed contract with your health insurance company and they have to abide by that contract which specifically states that the patient is only to be responsible for copays and/or deductible amount and anything this is not covered the provider as to write off etc. If you have proof of your office visits along with the date that these co-pays were made, then your insurance company could provide you with a good go-between on your behalf. They are representing you as the consumer. Keep us posted.
what big company actually provides you with health insurance? sm
From the ones i have worked for, i had to pay for my own insurance at higher rates than had i taken out my own individual insurance policy. it isn't like it used to be where companies paid all your insurance coverage premium. now it is a huge chunk for us.
I think she is working for a company that provides insurance.
Sounds to me like she can't afford the premium thru her employer -- the place I'm leaving in a few days, for my daughter and myself it cost over $300 a month.  I guess to some that's reasonable but I have had a very hard time with it.  I'd prefer to eat.
It sounds like she's scamming the insurance company
and pocketing the money. I'd inform the chiropractor directly and let him know you're going to tell your insurance company that the charges are not legitimate unless he puts a stop to it. If you inform the insurance company, he's the one who's going to be in hot water. That should end the fraudulent charges. If they don't stop, then follow through and inform the insurance company and let them face the consequences. There's no earthly reason a 9-year-old child should be visiting a chiropractor regularly. The ex is a thief, without a doubt.
Inform the insurance company that they should check into it.
x
Your insurance company's adjuster should be fighting for you.
You're entitled to the cost of repairs to your vehicle, payment of ALL medical bills and out-of-pocket expenses like gasoline for trips to doctor, pain relievers, and lost wages since you've taken time off work due to pain and doctor's appointments. Do not agree to settle until you are certain that you are back to 100%. Gather up all receipts, bills and wage stubs to send copies as demand for payment.
20 yrs-6 months training by insurance company
then everything else OTJ
For decades, a company benefit has been health insurance
along with retirement plans, paid holidays, PTO, etc. Only in the world of MT (and maybe Wal-Mart) are many companies not paying for these benefits.
a *sort of fight*? It WAS a fight and this was.

I saw the show with Sarah Bernhardt and she was a *guest* and was treated so poorly by Star and Elisabeth that day.  Star and Elisabeth didn't like Sarah's politics or view and attacked Sarah....Star by saying *I'm looking too cute today to be bothered by the likes of you* or words to that very effect....and then the Honey line by Elisabeth......


Is this the way people treat GUESTS?  I think not.  The show reached it's lowest point on that day, in my opinion.


I think the show will not survive..........whether or not Rosie or anyone else steps in.  It's time to retire the show.  It's beyond *leaving gracefully* now.  And though I hate to say it, Barbara Walter's credibility is now pretty much shot to heck......because of this show.


Collision or comp doesn't matter. I called my insurance company
when I was hit by someone. I only had liability but their adjuster made sure I got the best deal out of it. My rates didn't go up either.
My company doesn't offer health insurance. I'll buy it at Sam's Store.
BTW, you can eat yourself up and waste a lot of time hating and smearing Walmart. People support the store and it is growing in spite of your MT Stars posts. Walmart shoppers don't care about your posts or if Walmart doesn't offer health insurance to their employees. They are looking for a bargain. Walmart has them. At least half the US workers have lost health insurance and as for my company, it costs at least $200 a month for health insurance if I want to BUY it. Get a grip.
Just signed up with Continental General Insurance Company, $388/month for family of 5, $1,000 ded.
We get two office visits per year at $20/visit and preventative care (mammogram, Paps, well-child). Sounds good so far ...
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
The only way to fight this (I do know what you mean now) is to SM

refuse to work for companies like this. I've said it many times before. I have worked at two hospitals as an at-home employee. Many accounts for other hospitals, fill-in stuff, doctors' offices.


The company I work for ow is pretty large, its employees national, from PA to Alaska.


We do have account specifics. But somehow, some way, the MTSO has always kept our "welfare" first and foremost, except for some niggling problems with turnaround time that *I* don't agree with. They are fairly minor, I just get aggravated over the hospital thinking they own us.


We are assigned a certain number of minutes a day...whatever we've asked to get. If we do that in 15 minutes, wonderful. We just made a jillion dollars an hour. If it takes us 10 hours, well, we made less.


We can plan our lives. We make decent money. She absolutely does NOT let anybody pull the above crappola on us. There's somebody else on this board who works for the same person. I imagine she feels pretty much the way I do, but I can't swear to that.


SAME fight again with DH....

Please tell me if I am wrong.  I told my husband that I need an ergonomic keyboard now as my hand and arm have been sore and achy recently.  I am going to do whatever I can to avoid CTS.  Well, bills are tight, of course.  The thing is I asked him IF we can swing it anytime soon, can we get one.  Here's the thing:  I take $100 out of my paycheck every 2 weeks for spending money, i.e. going to lunch with friends, w/ my kids mind you.  He tells me to use my spending money to but the keyboard instead of going to lunch.  Okay.  The thing is lunch every couple of weeks is the only time, and I mean only time, that I get to go anywhere due to time/money issues.  HE on the other hand constantly goes to his dad's after work, where all the boys hang out, and comes home after a couple/few hours of hanging out.  That does not bother me.  What bothers me is that he doesn't get that it will always cost money for me to go out because either we pay a sitter or I have to pay for something,  Lucky him that the beer is provided.  Must be nice to have your freedom.  I don't think he really gets how good he has it.  I am the only wife that doesn't give him an earful when he comes home after being out with the guys. 


Am I being a shrew?


Like I said, not your fight...sm
As long as it is not your husband I would not lose sleep over it, nor should you let it cause a fight and tension between you and your hubby.  What his friend does is his business.  Breathe....and let it alone.  Chances are this isn't the first time he's found a "friend" in a bar and won't be the last. 
Maybe we can fight them together!
I have never given up looking for ways to shut them down. The more we come forward -- the best chance we have of the right people hearing us! What comes around goes around and Toth has it coming!!!!
ONLY WAY TO FIGHT THIS IS...SM
to educate the public in general, on a population-wide basis, that their private medical information is being sent halfway around the world.  As with any big business abuses here in the U.S (banks, credit card companies, etc, etc) it happens because the government allows it.  If there are strict privacy laws re. patient medical information, how then does it extend to giving the whole world carte blanche to it, even sell the info to insurance companies and the like??  The PUBLIC has to be made aware of it... the media is best... but I wouldn't be above passing out fliers in doc's waiting rooms or hospital lobbies. A lot of wheels have to squeak first before this one gets any grease!!  
I'm not starting a fight.
I just wanted to know why you thought I had no friends because I don't like the skank.  That's how it came across by responding right under my post about not liking Angelina.  Or did your post directed toward another person go in the wrong spot under mine?
Sometimes I have to fight the temptation to
grab those thongs sticking out over the pudge rolls and give the girls a terrible wedgie.  Then the guys with their nasty pants drooping down to their knees makes me just want to grab them by the seat and pants 'em.  I'd probably get arrested, but kids these days dress horribly.  The girls' clothes are too tight and small.  The guys' clothes are too baggy and big.  If they'd mix the two styles together, both guys and girls would have decent clothes to wear.  Everything would fit properly!  I wonder what would happen if all the parents in the nation refused to let their kids buy that urban trash look.
Yes! My dogs fight to see who
can sit closest to my chair (I have three and they are not small).  My husky has been extra annoying lately.  I think she has cabin fever, ready for spring so she can spend more time outside.    
How do you fight fatigue?

I find that after a certain amount of hours, say 4 or 5, my arms and hands turn to jelly, and my body gets sore and fatigued from sitting in a chair. It is to the point where I actually dread working. And it's not because the work is hard, because it isn't. It's because it takes a lot of of me physically.


My question is, what are some tips to help fight fatigue? It's almost to the point where I want to only do MT for 4 hours and find another job to do for 4 hours a day, one that doesn't demand so much physically. Although I wouldn't mind doing this until I retire, what it does to your body pretty much has made that not an option for me.


He stated he is going to fight that.

Said he is going to fight against that medical records thing.  Didn't mean offshoring, does not sound like he has any idea about that happening to our medical records.


You'll have to try to start a fight with someone else because
But if it makes you feel better to make bird noises, party on!
usually you can fight or there is a clause for emergency sm
situations that you can go to the nearest hospital for emergency and i would say it was emergency or you wouldn't have went to the ER. fight it; you pay the benefits, you should get some help.
Just keep fighting the fight..... I remember...

seeing one of those earlier Star Wars movies, maybe the first one, and some guy next to me had a little about 2-1/2 to 3 with him.  That kids are TERRIFIED, keping asking "what's that Daddy, why's he doing that Daddy, DADDY DADDY!"


Have people lost their brains?  Kids can't process all this stuff.  Let them watch Thomas the Train or Little Bear and let them be kids.


yeah, I have to fight being angry about it.
nm
How can you post so ignorantly? You just want to fight, don't you? If you could read, and maybe
you have that disability, you would see that my question is to the MTs who hit 1000 lines in 3 hours. If you COULD read, or bothered to read before being a cat, you would see that I do work 8 hour shifts.  Go back to your kitty den and leave the grownups alone, unless you could possibly contribute something intelligent to MY ORIGINAL QUESTION.
Another thing that's hard to fight these days...
Try to find a kid whose parents actually have standards about what kinds of movies or television channels their kids can watch?  Honest to Pete, I've seen 6-year-olds in R rated movies, on a regular basis.  I try to tell my 11-year-old that she may not see certain PG-13 movies (which are sometimes worse than the R rated stuff) and all I hear is about how all her friends can see anything  they want.  We don't allow MTV, South Park, any of that garbage.  They don't need it.  Kids are getting so hardened by all the smut and low-class entertainment  out there and  I just refuse to condone it.  We have kids next door whose mother listens to Eminem in the car with them and lets her 8yo watch things like Texas Chainsaw Massacre.   And don't get me started on the cell phones.  No properly supervised 10-yo NEEDS a cell phone.  I got my oldest one last year  when she turned 16 and began to drive.  But I'm hearing about how half the 6th grade already has one.   Why?
tissue paper snowball fight
kleenex, tissue, butcher paper and/or cotton balls.  then you can "build" a snowman with it - which coincidentally gets it all picked up:)
I'm in the same boat. I have to fight quitting every day. I'll
nm
You just wanna fight about it. Did you read the post?

Afraid to lose your job? Go and fight with your cats! .nm
nm
People cannot fight the power and corruption that is present

in he political system.  These politicians are bought by special interests.  Many of the people with special interests are corporations, insurance companies, etc.  They have major money to contribute to run a politician's campaign.  Both Democrats and Republicans take this money.  So if both the politicians are in need of money to win an election and you and I can provide the money the special interests are going to be heard above and beyond the little guy with a beer in his hand who is working 8-5 and wouldn't know how to organize a revolution if he had an instruction book.  Besides he is too darn tired and has to mow the grass, take the kids to the movies, etc, etc, etc. 


So you got both parties taking special interest money in return for favors granted (or the funding is stopped and the party can't win) What is the American public going to do?  Not vote?  You only get two choices and the system is corrupt.  What do you do?  Once again, you are assuming the American public is intelligent and united.  If you read posts or editorials anywhere you will see the American public is divided led by sound bites or blind loyalty to a political party.  You aren't going to see anyone overthrow this government in this lifetime.  People in power are not going to give it up to let Joe-Six-Pack run the country on his $100 day budget to campaign.  It is sad but true.  We have been led down a path that it is too late to turn back.  While the politicians were passing these laws to allow offshoring/outsourcing, we were watching TV or busy with daily activities of living, thinking this will never affect me.  And it's the same deal now. 


Anybody agree on who should be president?  How about Iraq war?  Anybody agree on forcing the national companies to pay us more for MT?  Come on.  Be real.  You can't unite this country on the smallest issues.


 


 


So, just simply summing it up. You have 2 kids, and they fight while you work, so you just
send them to daycare, and now they're "socialized".  This thinking just is soooooooo beyond me! And you can all scream and call me negative, but its just a travesty. Daycare - daycare - the replacement mom of our society, and its NOT working. Kids these days are a mess - an absolute mess.  I have no words to waste on this topic - its sickening.  And for all the millions and millions of mothers who have NO choice but to leave the home and throw the kids in day care - sitting in an office with a heavy heart.  Here you all can have the blessing of having your precious kids with you, but the slightest challenge - fighting? PLEASE! What kids don't fight? So, instead of training them yourself and teaching them to "socialize" with their own siblings, let alone their mother, you ship them off to daycare - Oh, yeah, there's the logical solution! Its just soooooooooooooo old, actually. Millions of Moms - even the big $$ CEOs, are realizing the fallacy of day care, and working from home to RAISE their own kids.  Sure, its challenging, but the rewards are priceless, so cliche!  Such an easy cop out to ship 'em off to daycare - let them "socialize" them...So what do your kids learn?  Certainly not to behave at home.  They're probably still acting out at home, while angels at daycare! 
And if I fight every low-life who cheats, I won't have time to work.
i don't deal with anyone without references when it comes to work. i learned my lesson and have moved on. i leave you to fight the battles of the downtrodden.
which makes it nicer. either way, not a fight site anymore. sm
as it should be. Should have been all along.
I can relate.....I took on extra work and now my DH just picked a fight with me, and is also winding
the kids up massively as I type this. Totally off your subject but he just dropped on me that he is cutting all contact off from my dad since he recently remarried and intimated that he was leaving me and my brothers nothing in his will......DH also said the kids were not allowed to have any contact with him either.  I can get around that and just leave with the kids when he is at work if I have to resort to that.  But this is bullsh*t.....I fear if it keeps up I am headed for divorce court.  He is getting weirder and weirder about money, though he professes not to care or want it.  Then he dropped that when his dad (75) dies his mom (70) was moving in with us.......WHAT!  So right now I am hoping that his mom goes first as he will never live with his dad, or that his dad lives another 15 years at least....We had promised my mom she could live with us, but now that she is dead, he says it will be his mother as he has to protect his interests (and the kids....as supposedely all his parent's money is to go to them.....he plans not to touch it). So needless to say I am LIVID, don't want to work right now, am not talking to him though he keeps coming in and ranting more....he has calmed down some but still driving me nuts.  He has to stop drinking, that is what it comes down to....much more rational then.  But I really think the writing is on the wall and it's scary as I have no where to go now.
Today is different and you cannot fight companies who LEGALLY can offshore work.
So all Americans refuse to buy goods, shop at stores, or work for companies who offshore.  That leaves a mess.  Do you realize a lot of American companies are actually owned by foreigners?  Get real and move into 2005.  You are going to spend a lot of time boycotting once you do the research.  I doubt you will be able to shop or work at all.
At this point, I disagree. I have fought the 'good fight' and it is no longer
a 'good fight' at all.  I know when to say when.  I don't like it, but I'm not stupid either and that's not to say that you are either.  Keep up your good fight, but after what I experienced first hand with our own credit agencies, I also don't see the point in wasting valuable time on an issue that is dead in the water.  Offshoring is ever present, but that doesn't mean that you can't still be competitive. It is all in how you approach it.  I'll allow the post to stay, but I'm not going to argue endlessly when I have made my decision that I did not come by easily.  This thread is being locked.
Honestly...get over yourself OP! This is meant to fun and a contest not reason to start a fight.
x
Horse & buggy obsolete, would love to have saved them - gone and can't fight it!
...
I get fight or flight feeling socially whenever I am around incredibly dumb people and I don't wa
Am I sick? I don't want to socialize with idiots. What's wrong with me. I hate small talk. Should I see a doctor?
I agree - doesn't sound like it's worth your time to fight her anymore. NM
x
Whether its a choice or inborn, some of us fight the choices or inborn

nature of desires that are out of sync with nature.  I am sure pediophiles will say they can't help themselves and it is a natural instinct and attraction but not every one acts upon the instincts/attractions. 


I know I am attracted to eating junk food, all day every day.  Big Macs, juicy extra cheese pizza, fries deep fried in animal fat, etc. I have never craved a nice salad and some fresh fruit.  If I follow my instincts and did what I want, I would be a very unhealthy 600 lb blob. 


Sometimes one just needs to put things in perspective. You have free will to do what you want to do but it isn't always right to follow those instincts. 


 


Maybe it's time to fight fire with fire.
I find cherrypicking an absolutely deplorable practice. That being said, perhaps it's time we set aside our integrity (believe me, I know how hard it will be to do) and send back reports also. We are penalized for our experience and dedication. You can be sure a cherrypicker's paycheck looks a lot better than ours. I think it's time we whine and cry about bad dictators and send a HUGE message to corporate by refusing to do them.
What Company is This? I have been hired by a company that is sending a foot pedal.. Don't want t
.
The company cutting cpl, the company stopping paying for headers
:{
Good of the company? As IC, I am my own company. Not my problem if she has problems as long as I do
:P