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What Is The Best Way To Negotiate Medical Bills When You Don’t Have Health Insurance?

admin — Mon, 01 Mar 2010 07:18:57 +0000

My son was involved in an automobile accident and was taken to a nearby er then transferred to a trauma center. He was in ccu then in a private room. Numerous tests were done and several doctors were involved in his care. He had some medical coverage on his vehicle and before they will give me a definite price they want to know how much insurance he had. He had $25,000 coverage but that amount will not cover all his expenses for 2 ambulance trips, 2 er’s, numerous cat scans, x-rays, doctors, etc. I know medical costs can be negotiated when you can discuss the subject before using their facility but we were in a situation that we weren’t thinking about the cost but about his injuries and what needed to be done.

How Do You Find Out How Much Your House Is Worth After A Remodel , For Insurance And Equity Purposes.?

admin — Mon, 01 Mar 2010 01:26:33 +0000

I am almost finished remodeling my home and want to know how to find out the value, it was in need of major repair when I bought it and I have replaced alot of main features including all Flooring, Complete Kitchen, Windows, Landscapeing , paint, trim, doors, outlet and swicth cover, all light fixtures ect. You get the picture, pretty much everything. The house also had a horrid dog and cat smell , they were allowed to piss and poop everywhere and anywhere, so hence the floor replacement, and even went so far in some areas to replace the drywall. the house is totally unreconizable and was way under valued when it was priced by my mortgage company , they told me that they were surprised at the number given the area, and I was like you have to see and smell the place…..LOL But now what do I do to find out how much it is worth with all the work I have put into it? I want to cover it properly with my Insurance company and I would like to do more improvements to the house.

What Do I Have To Say To Get A Hospital To Admit Me With No Insurance I’m In A Lot Of Pain But Worried?

admin — Sun, 28 Feb 2010 13:19:43 +0000

I currently have no insurance and have a constant shooting pain on my left side behind my ribs. Every time I move my arms up and down I hear something moving in my throat and it’s causing shooting pain in many different spots in my abdomen. Last time I went 3 months ago I wasn’t in chronic pain so they sent me home saying it wasn’t an emergency. Since then the pain has quadrupled and is constant. I’m worried that if I go again they will send me home and it will be a waste of time and I’m out 300 dollars for the so called diagnostic.
What are somethings that I can say that forces them to treat me/ look into what my issues are.
I do not want to incur some massive hospital bill but now I feel as though this could mean life or death I’m 23/m so my constant pain is not normal.
The only way I can make the constant pain in my ribs go away is by cracking my back but then it comes back 20 minutes later.
Do these problems seem like I should go to the ER? Mainly I want a CAT scan done what do I have to say is hurting to get them to admit me? I feel because I don’t have insurance they’re going to be on the ultra defensive in terms of helping me so I need to say the right stuff because last time months ago was fruitless.
Thank you for your help so much…

Why Does The Hospital Want My Ssn And Auto Insurance Policy 3 Days After Er Care For An Accident?

admin — Thu, 25 Feb 2010 07:19:34 +0000

I recently rolled my vehicle and ended up in the ER as a precautionary measure to check for spine damage. No one else was involved in the accident, in my car or otherwise. The hospital took a cat scan and kept me overnight, and in the morning a radiologist said I was fine and they released me. Three days later, they call wanting my SSN and car insurance policy. I’m suspicious that they want this information to strong arm me in the case of a billing dispute or increase my bill based on ability to pay, respectively . Why do they want the information? Should I give it to them? I have health insurance, and they already have that information.

If A Friend Is Driving Your Car And Wrecks It, Can They File It On Their Insurance?

admin — Wed, 24 Feb 2010 13:20:39 +0000

I own two vehicles. They are on separate insurance policies (different companies). I get a friend to follow me in the other car to transport them to a separate location. I get in front of him, and a cat runs out in front of me. I slam on breaks, and he runs into the back of me. I file the claim on insurance of the car I am driving. This insurance company then tries to seek subrogation from the insurance company from the car my friend was driving. The complicated part is that I own both cars and my name is on both policies…I can’t sue myself……can the friend driving my other car claim the wreck on his own personal insurance so some of the damages could be recovered???

Did You Try To Collect Unemployment Insurance After Losing A Job?

admin — Wed, 24 Feb 2010 01:24:03 +0000

A friend of mine was fired last week and is struggling with collecting unemployment insurance. In our State you have to apply in person, fill out all kinds of forms, and get interviewed by a case worker.
Anyway she went down to the unemployment office and was shocked how tacky it was. It was in a bad neighborhood and shares a building with the welfare office. She go all kinds of cat calls by the crowd hanging out in the hall and quickly drove away. She forced her self to come back the next day and found the office jammed with all these crazy looking people. She kept telling her self, “I am not like these people, I have a Masters Degree and have worked in fancy offices with professional people”
After two hours she was still waiting and decided to come back later. But as yet she can not get the courage to come back. Was it as bad for you?

How Much Would Pet Insurance Have Cost?

admin — Mon, 22 Feb 2010 01:18:42 +0000

About a year ago, my 8 year old tabby cat was hit by a car and fractured his pelvis.
I found him in the back yard (he had climbed over the fence in his condition) and rushed him to an all night animal hospital that’s about 45 minutes away. I had to sign a form saying that I would pay for anything that they had to do to Oliver. I loved him, so I signed it and they took Ollie in for emergency surgery.
All added up, ollie’s accident cost $2,500(au)
If I had pet insurance for him for his whole life, would that have been cheaper?
I was thinking of getting it for my dogs but I can’t seem to work out if it’s necessary.

Still Confused About Pet Insurance?

admin — Sun, 21 Feb 2010 19:38:38 +0000

OK – I’ve never taken it out for previous pets and was lucky enough not to need it. My friend’s old cat got some kind of urinary tract problem that was treated ok, but then some time later, she got the same problem back but was going to be expensive to treat but couldnt get insurance as it was an underlying illness. So, it has made me feel cautious. I have a 5 month old kitten who is very healthy, but if I dont insure her now, will I be able to get cover if she gets ill in the future? Also, there are so many different policies, I dont know what I should be looking for. She is an ordinary moggy – not pedigree, but I love her and would hate if something happened to her that I couldnt afford to treat. Anyway, what I want to know is – can you recommend a policy and why? Also – are there any companies to avoid like the plague and why? Please only give answers that refer to UK policies.
Thanks.

Herniated Disk L5- Need Surgery- No Insurance?

admin — Sat, 20 Feb 2010 01:24:19 +0000

I need help! I am in a terrible situation like most americans today. My position in accounting was disolved and moved out of state in November 2007 after 7 years of working for them. Of course I could not afford their steep charge of Cobra Insurance at about 900.00 a month. So, I lost it. I am currently on unemployment. The job oppurtunities here in Ohio are terrible. No jobs that can pay decent. About 3 months ago I awoke with terrible pain, I could not move, if I did, it was the greatest pain I have ever felt. Went to ER 3 times without much help except pain medication. After 3 weeks of bedridden got in touch with a free clinic that could possible aid in an MRI. The ER refused to do this because of no insurance. The clinic saw me and refered me to another hospital that could help. Instead of MRI I recived an Cat Scan which works just as good. As it turns out,I have narrowing (degenerative disk) in L5-L4-L3. A herniated disk in the L-5 . The L5 is the area that sits right the nerve roots. I got in contact with a orthopedic surgeon that really did not want to take me because of self-pay. He did see me. He prescribed pain medicine and some steroids, to see if the steroids would work. Well they did a little. I still am suffering. My left leg is partially numb. I can’t walk without a limp. My daily diet is IBU Prophen-Vicodin-Flexirill-Tramidall. He explained first, that I would need to have surgery for this to be corrected. He would need to remove disk and fuse the vertebre’s back together with screws. (This will not fix on it’s own). Well, I am so frustrated because I can’t get any help. I make to much money on unemployment, which will be ending in Feburary. (I never have heard of such a thing)! I am a full time student with a 7 year old and 2 sons who are in college.I am about $300 over the state poverty guidlines. Omg..I have never been on unemployment nor have I ever had to ask for assistance throught the state. We pay into Social Security and Medicare all our lives. Why is their not programs out there for the 40 something? I need this surgery, this is preventing me from finding a job and finishing my degree. The doctor told me that we could try some pain management (spinal blocks) .I found out yesterday that I could not even have this done. The doctor that would be doing this will charge $700-1200.00 per shot. OMG..I don’t have this kind of money. So, basically I am stuck. I have written letters to the State Of Ohio senate office as well as the Governors office. This is not right. I have paid money into the state insurancce and can’t get it because I am not the the elderly, nor am I permantley disabled. This is a short term disability. Don’t they see that I could loose everything by Feburary If I do not find a job. I can’t get a job until I can be halfway mobile in order to be 100% effective for my new employer. Who will hire me in this condition. Can somebody help me with any answers to this. This is affecting every aspect of my life. I feel the pain of the millions of people who are uninshured. The rules should change, especially today, in this economic crisis that we are all going through.Please help on Ohio!

My Parents Have Blue Cross Blue Shield As Their Insurance?

admin — Thu, 18 Feb 2010 13:20:34 +0000

I am 18 years old and I was in a dirtbike accident I was riding in the ditch and going about 30 miles per hour. There was a huge hole in the ditch and I didn’t see it because the grass was a little big, so when I hit the hole I lost control and fell. I had a helmet ($600 professional helmet) which probably saved my life because when I fell I hit my head really hard and suffered a concussion. I also had a little bleeding from my kidneys because my body hit the handle bars. Well I was taken to the hospital, and they took Cat-scans and stuff and said I was okay. I only had a mild concussion and the kidney bleeding would go away if I drank a lot of fluids. This has been two months ago and the hospital just called because the insurance needs more information about the accident. Should I worry about this? Will they not cover the medical bill?
Additional details: I was riding a CRF230F. This is a trail bike not a racing bike. It has 230cc engine. I have been riding dirtbikes since the age of 5 but don’t have a motorcycle license but I never ride on the road just in the ditch, or inside my yard ( I have a one acre yard). I don’t have motorcycle insurance, but I don’t care about the bike. Will the insurance cover this? If it won’t why won’t it cover?

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