Thank you
Thank you
Thank you so much everyone for your comments. I just flipped out when I got the EOBs because I was already having issues with school tuition due to the school?s screw-up of scholarship renewal, and also had some minor health woes, and then today, my dorm room flooded at 8:30am, which is pretty early for me? (It?s a funny story now, but when the facilities management person came and laughed about it in the morning, it sure wasn?t so funny.) And I guess what made things harder was that people around me can?t really help me as ultimately I?m the one who needs to deal with it, even though they really are great about listening, and I?m reluctant to tell my parents about these things for several reasons. I?m really sorry to complain; I know these things are minor compared to the problems that many of the people on this board are going though.
I sincerely appreciated all of your messages. I?ll stop worrying about it, but will call the insurance company on Monday to gather what information they can give me. Fortunately, my insurance is through school, and their representatives are generally nice to undergraduate students. I?ve never had issues with them, though I?ve had problematic providers who just wouldn?t file claims and instead kept charging me (and even said they?d use some collection agency if I didn?t pay). I?ve dealt with them successfully, and I?m just hoping that, should these doctors actually bill me, they?d do it soon so that I can deal with them while still in school and thus have direct access to the same insurance company that I used during the hospitalization.
The on-line policy says that the claim must be filed within 90 days of treatment. EOBs indicate they filed the claim last week for something done in January of 2004. Talk about being waaaay overdue. Since I was treated at the university-affiliated facility which is the first place the students get sent to, I really don?t see how they couldn?t have known about the claim deadline.
Gina: it says that the doctor ?may? bill me the uncovered amount. If they bill me, then I?ll find out if the hospital had some due date for billing also. Thank you for the tip.
Peggy: Unfortunately, my EOB doesn?t say that I?m not responsible for this, but then it doesn?t say that I am either, so I guess I should just wait and see. Hope your son?s insurance issue can get straightened out soon too.
Blanche: Thank you for offering to help me. It?s really encouraging to know that there are people who?ve had the same problem and settled it successfully, though actually, no one should have to go through these things.
Cort: Yes, I will use this weekend to calm myself? I?ve learned from experience what I?m capable of saying when I am quite angry.
Cris: For some reason, my insurance company is really good about filtering out those double filers. I?ve seen a hospital billing the insurance for the bed and board fee twice?maybe that?s how the hospital managed to pay the rent/mortgage to stay on one of the most expensive parts of the city?
PamO: Thank you for the detailed advice. My school does have an insurance office, so I?ll contact them too. If the insurance company/providers thought I?d give up easily, they are picking the battle with the wrong person.
Again, thank you very much everyone. I will post if anything new comes up. I?ll just sit and relax for now and maybe do some homework for class. Midterms are just around the corner.