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If you were selling Mega, every claim by an insured would be a "gotcha"
Gotcha Moments For New Policy Holders
- Thread starter scrabble
- Start date
John, you should post on IHIAA these gotchas and more!! Also show the agents how to find out the lab work etc. or what carriers this pertains to...
PARE claims are almost always non-par. Doesn't mean they aren't covered, just that the provider is free to bill whatever and you are obligated to pay the difference in what the carrier pays and the provider charges.
Pathology
Anesthesiology
Radiology
Emergency
PARE claims and other non-par claims are considered hidden providers. You may think they are in network, but they are not. The ER is full of hidden providers.
Pathology
Anesthesiology
Radiology
Emergency
PARE claims and other non-par claims are considered hidden providers. You may think they are in network, but they are not. The ER is full of hidden providers.
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I agree with this...however, it is difficult to figure this one out unless you ask the carrier....and you better hope you get the correct answer. Each carrier is different. Some will cover it if done within the confines of the Dr's office. Others will have you dip into your deductible and coinsurance whether in the office or having to go to a separate facility.
Same thing with ER charges...you have your access fee, which goes towards fulfilling your deductible..yipee!, but then everything else has to be covered based on whatever the policy stipulates, typically your deductible and coinsurance. Is it any wonder that people buying insurance are so easily confused? When agents...generally speaking... don't know the nuances in policy coverage, then how is an insured to know? That might explain why so few of us have so many different carriers to choose from, and end up with a pet few carriers that we know really well.
But then, the slighted carriers will drop your contract (BC/BS for instance) if you don't write a certain volume. Different topic for a different thread.
One of my pet peeves is the wellness care wait. Isn't it better to nip a problem in the bud at less expense than having get to a point where the patient might get worse and require more expensive treatment? Some will want you to wait for 3 mos, 6 mos, 9 mos, and some maybe longer....Duhhhh?
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Well helll I could even sell that, specially if you say everything is covered...in fact, I know I can.......Hmmmmmm
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so you don't listen to my chats and webinars
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He taunts me on Facebook, too, about not joining the ILIAA.
He's a mean guy.
(Just kidding - I love you, buddy)
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Wow, every so offten I think about writing health insurance. Last one was about 20 years ago. This thread cures that itch for awhile. I have had only had one claim per life policy so far.
I hope you didn't insure this guy..
Brazilian makes surprise visit at own funeral - Weird news- msnbc.com=
He might collect a second time on his life policy, since he attended (alive) his own funeral.
Dan
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