Post
 Posted By: medako 
Jun 11  # 31 of 33
okay, could you all look over a letter for me and tell me if there are any changes needed?
Quote wrote:
United Healthcare:

Ambulance coverage:

On March 22, 2007 my husband (Adam ****) was involved in an automobile accident. Injuries from this accident required an ambulance transfer from the scene of the accident to ABC Municipal Hospital for x-rays. He was then transported by ambulance to XYZ Medical Center due to the severity of the injury. The ambulance transports were medically required due to the sustained injury. UHC has denied payment on the ambulance fees ($1150.50), stating it was for a non-emergency. This is not true and I would appreciate the correction and appropriate coverage to be applied.


Surgeon coverage:

When my husband (Adam Kozak) was transported to XYZ Medical Center (in-network provider), it was based on a medical emergency. Once he arrived at XYZ, he was immediately prepped for surgery. Due to this being an urgent situation, he saw the surgeon on-call, Dr. *****.

After receiving an EOB from UHC, we have come to find out that Dr. ***** is considered a non-network provider. I can understand being responsible for non-network charges for a procedure if it had been previously scheduled, but in this situation, Adam had no choice but to see the doctor that was available in the hospital upon his arrival.

Follow-up appointments with Dr. ***** were also required due to the severity of the injuries.

I would like to request that in this urgent situation, Dr. ***** be considered an in-network provider, as there was no time to request an officially listed in-network surgeon. Please apply all surgical and follow-up fees to the in-network deductible.

What do you think?
Post
 Posted By: Mama Mangia 
Jun 11  # 32 of 33
your letter sounds fine - but its the insurance companies - not you - that are the idiots!!! at the end of your letter i would place:

CC: (which means carbon copy being sent to:)
your councilman (name)
your senator (name)
the state attorney generals name
the state department of insurance

which mean that you also sent out a copy of the same letter to all of them on the same day! insurance companies do not like when you do that - then they cannot jerk you around because others in authority will see it

you have stated the truth and given them all the info that is needed - but I would add the dates of each occurence to your letter so that they cannot say you were not giving them all the infor they need - this way they cannot use any excuse

if it was not an emergency - why would your hubbie need surgery??? DUH

and send a pic of the car - you can make color copies of it either on your computer or at a printing place

PS - I would squeeze in a line about the insurance company ACTING IN BAD FAITH - they hate that term used against them!
Post
 Posted By: medako 
Jun 11  # 33 of 33
good advice!

I don't want it to sound like I'm just saying "pretty please" and will roll over if they say no, but I don't want to come off as too *****y. It's a fine line to walk. But I want them to know I'm serious.

They don't need to know that I actually requested the surgeon - it turns out he was the on-call surgeon and already at the hospital (he was in surgery when we got there). It would really **** me off if we ended up having to pay double the deductible for a non-network doctor when he was the one available for the emergency.