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Local 2409 Microsite
News
Retirees' Committee Report10/9/2008
Having problems getting your health insurer to pay up? Enlist support from your benefits administrator or insurance agent to help you contest the denial. Write a letter to the insurer requesting a formal review of the denial and explaining why you believe it is incorrect. Send this letter via certified mail, return receipt requested. Some common reasons for claims denials and possible responses: " The procedure was not medically necessary." Ask your doctor to write a letter to the insurer explaining why the procedure was necessary in your case. "The procedure was experimental." Ask your doctor to write a letter to the insurer noting that Medicare or other insurers cover the procedure or citing statistics showing that it is widely used. "There was a filing error such as a missed deasline." In most states, the insurer can't legally deny your claim because of a technical filing mistake unless it can show that it was harmed by this mistake. "The bill exceeds reasonable and customary charges." Ask your doctor if there were special circumstances in your case that would justify higher costs. Ask other medical facilities in the region what they charge for this procedure. If the first letter doesn't work, repeat your argument in a letter to the manager or supervisor of the insurance company's claims department and if necessary work your way up the corporate ladder. Next you can contact your state's departmant of insurance, call the local media and finally go to court. Don't give up until you have exhausted all your possibilities.(br)
If you are falling behind in payments, you should consider debt-management help. Call the US Trustee Program of the department of justice at (202) 514-4100. They will provide a list of approved credit-counseling and money-management programs.(br)
Respectfully submitted,
(br)Brad Cecil, Chairman
(br)Gary Haynes sends out these reminders about lunch at Cracker Barrel. I am forwarding them to you. - Ed
(br)Thoughts become things....Create Great.
Gary Haynes
Abundance Homes
(br)Title: Lunch
(br)Date: Wednesday October 22, 2008
Time: 11:00 am - 12:00 pm
Repeats: This event repeats every month on the fourth Wednesday.
Next reminder: The next reminder for this event will be sent in 6 days, 4 minutes.
Location: Cracker Barrel, Fern Creek
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Last modified: 2/18/2010
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