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He's calling BS on your comment that "99% of doctors take MAPD UHC/Humana plans".
So, what's the accurate percentage?
I can recall not one instance were the dr has not been in either United or Humana's network
For me it's been 100% when I look up dr's
For me it's been 100% when I look up dr's
I feel your pain . . .
Sounds like a carrier AND provider issue.
Providers want to get paid. I can't imagine them waiting 6 months, 8 months or longer to bill your carrier. Most will file claims with the carrier in 60 days or less, and generally during the first 30 days after the claim is incurred.
Have you logged into your carrier account to see when these claims were filed and how long they rattled around in the home office before the light bulb went off?
When I first went on Medicare my doctors (only 2 of them) filed with Medicare . . . then Medicare kicked it back to the provider because THEIR (Medicare) records indicated I still had BX group insurance as a dependent under my wife''s plan. This went back and forth for a couple of months before the providers called to make sure I had Medicare.
Wife had to call HR and BX to tell them to take me off the plan and tell Medicare I am no longer on the group plan. Bear in mind, BX was not deducting premiums for Rachel's dependent, so they kicked my claims out after Medicare rejected them. It took almost 4 months to get all the records straight with Medicare.
Point is, my claims were filed on a timely basis (within 30 days or so) but rattled around for almost 4 months before they were paid. So 8 months is crap.
Between the provider and your carrier, SOMEONE should have notified you before August.
Check your EOB statements, online plus any you may have received.
Unfortunately, a lot of these mangled care plans require you to be a detective. Imagine how the folks who buy these plans feel. My primary doc has told me more than once, that most of the folks that come in have no clue how their plan works.
Then to call ins company who confirmed they are out of network
The claim was adjudicated and denied. What is the adjudication/denial date? You mentioned earlier that your doctors were notified of your new medical plan, does this include the DME provider?
@vic120 do you have a PPO Select plan? I believe you said something before about the network being more strict than a regular PPO.
This is just a guess. PPO Select can occur in the Medicare market, but I don't know if they are offered in the ACA market.