This week my focus is on insurance. Weird, I know, but I hope you will understand my need for this coverage. (pun intended)

Undeniable Claim

In October my son was involved in a playground accident that sent us rushing to the ER for stitches.

The school provided us with a completed form to submit any out-of-pocket expenses to their insurance. I dutifully photocopied  our bills and carefully checked and double checked all the information. Within two weeks I received a letter that our claim had been processed. Woohoo! (That was in December.)

The first week of January I received a bill for the October ER visit. This was stressful. I just knew I was going to have a fight on my hands with the insurance and/or hospital.

After a quick review of the claim notification from December, I found the column outlining the exact amount of the bill. It was marked “Amount Denied.” Dang it! How could I have missed that?

I called the number on the claim notification and spoke immediately to a customer service rep. She was polite and explained that the $87.02 was the discount amount agreed upon by the hospital and their company. She did not know why I received a bill but would put me through to their company’s adjuster Jennifer.

Jennifer was unable to take my call at that time so I left her a detailed message.

Adjuster Jennifer called back the next day confused about my question. She said I had nothing to worry about unless I received a bill. I explained that I did receive a bill and was really hoping she could help me. Jennifer told me to email a copy of the bill to her and she would call the hospital. I figured it would be a week or so and I would have to call back. 😦 Continue reading “Undeniable Claim” →