Medical and Dental Payment Question.

[THX]

I currently have a job with great insurance. However I'm leaving that job to pursue other interests. Looking to give my 2 week notice within the next couple days.

I received my last Dental procedures yesterday. I was told it takes 3 weeks for the dentist to receive payment. If I am no longer coverede 3 weeks from now will that matter since the day of the claim I was covered.

Also last August I had an emergency room visit. I paid all co-pays and insurance paid their end. Recently a debt collection agency contacted me about a doctor who had a bill for $813. They claimed my insurance denied their claim. When I called my insurance had no record of any denied claims and is doing some kind of investigation which I was told will take 30 days.....So once again my question is if the claim is legitimate will it matter if I am not covered when the investigation is finished since the matter took place nearly a year ago at which time I was covered?

Thank you for any help! =)

 

[CHUMPS FROM OXFORD]

My guess is that it would not matter. Just keep good records of dates etc...

The key is if the policy was in effect when you had the procedures.

Of course, if the claim was denied for legitimate reasons, then you will have to settle that bill with the $813 bill.

And yes...we promise to answer your questions within two minutes.

 

[leevena]

I agree with Chumps assessment, but I would suggest something else. The denied claim, which appears to the physician portion of the ER, could possibly be denied again.
I am not saying that it is, but that there could be a possibility.

Many people do know realize that often times hospital ER's have contracted with an outside physician's group to cover their ER. So you should expect two different bills; one from the facility and the other from the physician group. So it is unusual for the insurance company to pay one and not the other, but mistakes do happen.

Check with your employer and find out what is written in the plan documents with respect to timeliness of submitting claims. If there is a time limit, and for some reason the claim was submitted past that time, you cuold be out of luck. Highly unlikely, but possible.