- Mar 2, 2004
Wondering if anyone has come across a situation like this before. I received a bill from a medical provider a couple months ago, for a visit that should have been paid out 100% by my insurance, in fact I checked ahead of time with my insurance company. In network, no deductibles, no co-pay, etc. I figured maybe they don't have my insurance on file even though I gave it to them at time of service. I sent them a letter by mail with my insurance information and figured that would be the end of it. Today I receive another bill threatening to send me to a collection agency. I call them and they say my insurance company denied the claim and that I need to call my insurance company. I call Humana, my insurance company and they confirmed the service should be covered but have never received a bill for the claimed date of service. They give me a provider telephone number to give to the billing people. I call the billing people back and attempt to have them call my insurance company at the number the insurance co. provided, and they state that they are an incoming call center and cannot contact my insurance company. I ask them to resend the bill to my insurance company, they claim they cannot do this because it would be "duplicate billing" and gave me the impression that it was not legal to rebill. Frustrated after spending an hour up to this point, I call my insurance company and they are just as dumbfounded as I am that a provider that wants money refuses to call the insurance company, the only means of them getting their money! The insurance company basically tells me that nothing will happen unless I can somehow get the provider to call them or send another bill. What are my options? I refuse to pay based on principle alone (along with the fact that it's a fair sum of money), how does one handle this, especially if this finds its way as a collection account on my credit? I tried getting the two companies' statements they made regarding inability to bill / ins. company not received bill, etc. in writing, but both parties essentially refused.