Bankers Life and Casualty?

[senior-advisor-indiana]

Re: Bankers Life and Casualty not participating in crossover?

and when you leave, even before the door has completly shut they will have your client list and be handing it out to new recruits. so say goodbye to any renewals. quote]

Not every manager out there is crooked like that. If anyone wants to know who will do that to their agents you can PM me. I only know of one and he is in IN.

 

[Frank Stastny]

Re: Bankers Life and Casualty not participating in crossover?

Actually I can. She is correct bankers chooses not to participate in the crossover. They prefer the Dr. to bill them after they receive the medicare remittance

I don't know a whole lot about the billing process but I can't help but feel that the doctors are not going to be very pleased with that. That sounds like a dramatic departure from the way it is being done now.

I believe that is going to create a lot of extra work for the doctors staff which translates into more cost which doctors do not like, especially since there is all kinds of talk about reducing the payments to doctors.

If that is the case we may start seeing more and more doctors refusing to accept patients on Medicare. Doctors do not have to take patients on Medicare, all they have to do is "just say no".

They also do not have to take patients who have Bankers Life!

 

[Bill W.]

Re: Bankers Life and Casualty not participating in crossover?

The biggest problem is the gals that do the billing will forget to bill secondary insurance and continue to ask the patient for the 20% balance.
Then with medicare only sending EOMB's every 3 months its a nightmare for the client to figure out

 

[sman]

Re: Bankers Life and Casualty not participating in crossover?

The biggest problem is the gals that do the billing will forget to bill secondary insurance and continue to ask the patient for the 20% balance.
Then with medicare only sending EOMB's every 3 months its a nightmare for the client to figure out

I'd pay a handsome fee to get a list of BLC Med Supp clients. If this is a change from previous procedure, they are about to be out of the Med Supp business. There is no way the client is going to fool with this when they don't have to.

 

[retread]

Re: Bankers Life and Casualty not participating in crossover?

The biggest problem is the gals that do the billing will forget to bill secondary insurance and continue to ask the patient for the 20% balance.
Then with medicare only sending EOMB's every 3 months its a nightmare for the client to figure out

You are right on target. I spent a bit of my time just recently helping a client get his paperwork mess straightened out because of a billing clerk's ignorance. This was on my client's former MA plan. The former agent never helped his client (now mine) to get his billing straightened out. The poor client was dunned repeatedly for huge bills he was not responsible for.
Many of these billing clerks are not motivated to consider what it is like on the other end of the stick. It is too easy just to bill the client and make him struggle with figuring out what's what. There should be some accountability structure in place (if there isn't already) so that these billing clerks would get trained on how MA plans are reimbursed, and that they are not to bill the client, but the carrier.

The sad thing is, that this happened so often in this little community, that the doctor's starting posting that they would refuse any more MA plans. It was not the MA plan, but the doctor's own billing clerks that caused the problems.

 

[GreenSky]

Re: Bankers Life and Casualty not participating in crossover?

They also do not have to take patients who have Bankers Life!

I was under the impression that if a doctor accepted Medicare, they had to accept the supplement and do the billing. Is that yet another thing I'm mistaken about?

Rick

 

[Bill W.]

Re: Bankers Life and Casualty not participating in crossover?

If the Dr. accepts medicare he has to by law bill medicare. Billing secondary is a courtesy for the patient. Thats why the invention of automatic crossover was a miracle.

 

[MedSuppPro]

Re: Bankers Life and Casualty not participating in crossover?

I was under the impression that if a doctor accepted Medicare, they had to accept the supplement and do the billing. Is that yet another thing I'm mistaken about?

Rick

I'm with Rick!
​

Sman, if your having trouble understanding Bankers Life claims -- call the company (with the lady due to HIPPA) and simply ask them.

 

[sman]

Re: Bankers Life and Casualty not participating in crossover?

I'm with Rick!
​

Sman, if your having trouble understanding Bankers Life claims -- call the company (with the lady due to HIPPA) and simply ask them.

MedSuppPro,

I'm not having trouble "understanding" BLC's "claims". They aren't BLC's claims, they are the patients claims. The client is the one who approached me and told me they weren't participating in crossover. How would she know that unless she asked? In fact, she was told be 2 people at BLC this is the case.

I simply came here to see if anyone had heard the same thing. One person claims that it's true. For some reason, you seem to be getting your panties in a wad about it and completely taking things out of context.

If you don't know, it's ok to say you don't know. I didn't know and that's why I came here.

Also, the doctor is required to file with Medicare if they see a Medicare patient. I haven't seen anything that requires the doctor to file the supplement claim. And thus, the creation of crossover. If you have proof otherwise, please document it.

 

[TimLett]

Re: Bankers Life and Casuality

My first job in the industry was with Bankers. Used to be a great company 30 & 40 years ago. Pretty much BLOWS today. The scare tactics that I saw were horrible. If someone sat at my parent's table and acted the way that another agent in my office acted, I'd take that person out back and open up a fresh can of Alabama-Whoop-Ass. I did just a little google-ing tonight and found this thread at the scam.com site. If you've got some time...lots of time...here it is....

Bankers life & Casualty Company