windcatcher 0 #1 April 17, 2006 Grrrrrrrrrrrrrrrrrrrrrrrr, I have been on the phone several times with my insurance company, trying to get reimbursed after filling out claim forms. I get different answers all the time when I call and am getting really peeved at the situation. I spent $500 on insurance, and they owe me money after I spent MY own on services, prescriptions,etc. Is there some kind of secret formula or plan when dealing with insurance companies? I know insurance companies are just out to make money, but does anyone have a clue as to how to get them to actually honor their contract with their clients? Mother to the cutest little thing in the world... Quote Share this post Link to post Share on other sites
kelel01 1 #2 April 17, 2006 What's the company? Quote Share this post Link to post Share on other sites
Tink1717 2 #3 April 17, 2006 Letters written by lawyers usually get their attention. Seriously. Don't let them paper you to death. Sue, sue often and fast. Let them reap what they sew.Skydivers don't knock on Death's door. They ring the bell and runaway... It really pisses him off. -The World Famous Tink. (I never heard of you either!!) AA #2069 ASA#33 POPS#8808 Swooo 1717 Quote Share this post Link to post Share on other sites
windcatcher 0 #4 April 17, 2006 Well, I got the plan through school, which is through Associated Insurance Plans. The actual insurance company that is SUPPOSED to pay out is Administrative Concepts. Sure sucks I have to waste all this $$ on insurance just to go to school Mother to the cutest little thing in the world... Quote Share this post Link to post Share on other sites
kelel01 1 #5 April 17, 2006 Other than an accurate claim form and an itemized bill/receipt from the doc, I don't know what else they could need. Yeah, listen to tink. Quote Share this post Link to post Share on other sites
Andy9o8 3 #6 April 17, 2006 QuoteSue, sue often and fast. Bless you, my son. Seriously? He's right re the lawyer's letter. Just balance the legal fees for a couple letters against how much you're trying to get reimbursed, and make a business decision Quote Share this post Link to post Share on other sites
windcatcher 0 #7 April 17, 2006 Well, I find the responses from different people there fairly inconsistent. First someone finds my info and then tells me to wait another week, then someone else tells me the school I listed wasn't enlisted with them anymore, even though that was the school I attended last year. Hmm, I wonder what they will say next time I call them with my policy info and demand to speak to their supervisor Mother to the cutest little thing in the world... Quote Share this post Link to post Share on other sites
popsjumper 2 #8 April 17, 2006 That's what I would do ...take it up the corporate ladder and then consider paying for the lawyer's letter.My reality and yours are quite different. I think we're all Bozos on this bus. Falcon5232, SCS8170, SCSA353, POPS9398, DS239 Quote Share this post Link to post Share on other sites
windcatcher 0 #9 April 17, 2006 Like I can afford any kind of legal service. I'm a college student, 'member? Mother to the cutest little thing in the world... Quote Share this post Link to post Share on other sites
wmw999 2,630 #10 April 17, 2006 The deal with insurance is that they save money by not taking any action. The best way they can justify that is by your not "doing the right thing." Which means that it's in their best interests to make it as hard as possible to even figure out what the right thing is. If there's someone at the university who is a contact for the insurance, or who even gave you the form, they might be able to help. Regardless, - read the policy to make sure what is and isn't covered, and how. Yes, it's a pain in the ass. That's their job, to make it a pain in your ass, so it's not a pain in theirs - go make a rafterload of copies of your bills. - fill in the appropriate paperwork, copy it. - mail that off registered and return receipt requested - use the name of whoever took the form to call - talk to their manager, and just keep repeating that you want to get reimbursed for proper expenses - keep track of every name you talk to, and when (date and time). Make sure you get spellings. - if this doesn't result in an answer finally, then take all that information and send it to the next person up the line. Be polite all the time. That can be the hardest. This is very time-consuming. Again, they don't care about your time, they care about their time and their exposure. So you're in charge of your own interests. So first, do see if there's someone at the university (maybe ask at the student affairs office) if there's someone who can help you. Wendy W.There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown) Quote Share this post Link to post Share on other sites
windcatcher 0 #11 April 17, 2006 Thank you WendyI have already done some of that, but I will try some different things. Part of me just wants to give up, it would be so much easier than to deal with this big hassle...but I am not going to pay $500 (and not get a cent back), when I really need to be reimbursed, or else go off medication for the summer. Mother to the cutest little thing in the world... Quote Share this post Link to post Share on other sites
wmw999 2,630 #12 April 17, 2006 Yeah, I got a notice over the weekend that my son is being canceled because I didn't send them a student confirmation. Well, I did. They said they emailed me twice. Never got them. But the burden of proof (and appeal) is on me. I'm sure I'll have to go research how to appeal. I've asked for help, but, well, it's more in their interests to make it hard than easy... Wendy W.There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown) Quote Share this post Link to post Share on other sites
Nightingale 0 #13 April 18, 2006 See if your state has a process where you can appeal to a state organization that will mediate your claim with the insurance company. Quote Share this post Link to post Share on other sites
Snowwhite 0 #14 April 18, 2006 Every State has an insurance commission, Your insurance company is required by law to give you the information on the commission. The next time you call your company, politely ask the FULL name of the person you are talking to, then ask them for the information for your States insurance commission. Make it clear that you are writting down all of the information that is being given to you. Ask your insurance company if they have received your claims, have a copy of your policy and what else may be required in order for you to get your refund back. Ask them plainly what DAY you may expect payment. Make it clear that you will wait until that day, when the mail comes, and then you will be calling your states insurance commission. Works every time. Nobody wants to be reported to the commission, their ratings go down when they are. Their ratings are part of their sales pitch.skydiveTaylorville.org freefallbeth@yahoo.com Quote Share this post Link to post Share on other sites
nathaniel 0 #15 April 18, 2006 Quote So first, do see if there's someone at the university (maybe ask at the student affairs office) if there's someone who can help you. If your university has an ombudsman he/she would probably be a great place to start.My advice is to do what your parents did; get a job, sir. The bums will always lose. Do you hear me, Lebowski? Quote Share this post Link to post Share on other sites
