What options do I have with insurances refusing to pay?

[m0t0rcade]

I am a provider, when my receptionist checks my patients insurance benefits, they tell her that he/she has $2,800 in coverage every 3 years.

P.S. We are talking about mostly United Healthcare here.....

Anyways, on top of that a state law in Arkansas went into effect requiring a minimum of $2800 in coverage every 3 years. This is NOT subject to deductibles or copayments. Here is a link to the law:

http://www.insurance.arkansas.gov/Le...ns/7A-2009.pdf


The main culprit here is United Healthcare. I have problems with others, but almost every time with them. They tell me they cover $2,800......the law requires them to cover $2,800.......and they put me through the hoops everytime.

Hell, I am still messing around with them on a claim from July of 2010.

We don't have the time or money to fight a big insurance company in court. I am just so sick of it. It is always a straight up denial or partial payment.

GRRRRRR..............

[DeadEye-Want2B]

What perecentage of your patients are with United?
Isn't there a state regulatory agency that will intervien on your behalf?

[m0t0rcade]

Originally Posted by DeadEye-Want2B

What perecentage of your patients are with United?
Isn't there a state regulatory agency that will intervien on your behalf?

That's what I was wondering.......

[js12278]

You oughtta write Gov. Huckabee. I know he is done governing, but I bet he would love to know about this and could probably guide you where you need to go.

[justgotback]

Originally Posted by js12278

You oughtta write Gov. Huckabee. I know he is done governing, but I bet he would love to know about this and could probably guide you where you need to go.

I agree.....

[CPTKILLER]

I took my health insurance company to Small Claims Court and won. That is one suggestion.

[saltair]

In my state we have a Insurance commissioner (elected official) or check with the Attorney General's office.

[sporticus]

Sorry I can't be of any help to you, but while we're here, maybe someone has some insight to a little pickle I'm in:

Jan 2011: Got a knee X-ray at a local hospital in Northern VA.
April 2011: Received a letter/call from the hospital requesting that I verify my policy number, which I did.
Every month after that: A call from a debt collection agency for 600+ dollars.

For the first year they claimed that the Insurance company did not have my policy number on file, so I had them recite the policy number back and the 2nd and 3rd letters were always swapped. I politely corrected them each time. This has been going on every month or two for some time.

Today, 14 months after the X-ray, I received a call from the debt collection agency stating that my insurance company refused to pay the hospital because too much time has passed (I suppose 180+ days) and that I would have to pay the amouint.

1) Too much time has passed because the hospital registration staff initially made a mistype on my policy number.

2) I've corrected it with the hospital and the debt collection agency numerous times since.

So I guess my question is, how will they force me to pay this debt? What if I don't pay? It would cost more to lawyer up than to pay the bill.

[Groo]

I'd inform your patients that you are going to stop accepting that insurance because they don't pay up like they should.