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Huaren
等级三等兵
威望--
贴子154
魅力542
注册时间2015-11-04

monkey2016

只看他

2016-12-21 01:38:02

求问 如果交给collection的话 会怎么样啊
Huaren
等级上校
威望5
贴子4986
魅力9142
注册时间2009-10-13

fayfaytu

只看楼主

2016-12-21 09:09:14

BCBS did right. Anata is right also but the provider billed to either of them wrong. At the same time, your husband should fill one form to show you have another insurance and this is secondary.
Anata rejected your bills mostly because your coverage is different.
Be patient and call Anata and ask them: 1) Why they think they are not secondary; 2) How will they pay if the doctor billed wrong and what doctor need to change, mostly the diagnosis, procedure, drug codes; 3) Call the billing department of the provider and a)tell them you have two insurance and ask them how to bill correctly for both of them; b) ask them what did they billed and write down all diagnosis and procedure codes; c) ask provider billing department if Anata is primary, what codes should they bill and what codes should they bill to BCBS;
Call Anata and ask to bring BCBS join the conference call to talk with each other, even the provider billing department.

All your bill face same situation: you assume BCBS is primary, and providers billed to BCBSA and they rejected. You need to fix this first.

Insurance company 100% follow the billing codes to pay and they have no right to change the claim codes from providers.

good luck.
sharry 发表于 12/20/2016 6:24:24 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2111337&postid=73642001#73642001]

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好详细,谢谢mm!我们三方一起通过话了,现在aetna跟bcbs解释了为什么他们是secondary,bcbs说会revisit这个问题,重新process 账单,不知道他们重审的结果会怎样,希望能解决掉吧。。。
Huaren
等级上校
威望5
贴子4986
魅力9142
注册时间2009-10-13

fayfaytu

只看楼主

2016-12-21 09:10:21

再有就是单位只提供BCBS的保险,怎么慎买啊?我也觉得BCBS挺差劲,可是没有办法啊。





danishcookies 发表于 12/20/2016 9:03:05 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2111337&postid=73643226#73643226]

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这个真是没办法了。。。
Huaren
等级上校
威望5
贴子4986
魅力9142
注册时间2009-10-13

fayfaytu

只看楼主

2016-12-21 09:12:07

求问 如果交给collection的话 会怎么样啊
monkey2016 发表于 12/21/2016 1:38:02 AM [url=http://forums.huaren.us/showtopic.aspx?topicid=2111337&postid=73645280#73645280]

[/url]
会用记录,然后信用分数会减得很厉害,以后租房啊,贷款啊都很受影响。如果拿到collection company了,最后一边和collection company negotiate,一边和保险公司或者其它机构appeal。。。
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