Monday, December 12, 2011

With health insurance, what if the provider does not submit the claim before the window for doing so closes?

For example, on a date the provider provided a service, but failed to properly submit the claim for insurance before the window for doing so closes. Does the person who received the service then have to pay the provider, or does the provider forfeit payment for not properly submitting the claim?|||It depends on the provider's contract with the insurer. Most contracts, with an IN NETWORK provider, say that the provider has to "eat" the bill - and can't charge the patient. But if it's not in network, or that provision isn't in the contract, then the patient is on the hook for the full amount.|||The contract you sign with most medical providers indicates that you PERSONALLY are responsible for the full amount of the bill. The medical provider's interaction with insurance is provided as a convenience for you only, and is no guarantee of coverage nor does it switch liability away from you. In short - it's up to you to make sure all the paperwork and stuff happens. Good luck!|||it is your responsibility to keep at them to put through the claim, they do have legal time to allow for processing. You though singed u would pay if your ins did not, the problem was, if the ins never had the opportunity. Discuss with your ins and then the providers office manager.|||If the provider is "in network" for your specific plan, then he/she agrees to submit claims per the insurer's requirements and should eat the cost for failing to do so. If the provider is NOT in network, you're on the hook.|||When the provider sumbits a claim, he is doing it as a courtesy to you. However, YOU are the person who is ultimately responsible for it being submitted.

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