Hi, what to do if insurance people denied to pay the bill?

Question

hi, im an international student over here in usa. i was there in the hospital for 40 days. my hospital bill was around 1,40,000 dollers.i claim to insurance people but they denied to pay that amount. so what do i need to do now to get rid of these bills?

every day i am getting mental tension, frustration,depression with these bills?

if anybody suggest me in this matter their help would be appreciated.

and i don't have ssn, i heard that if i won't pay the bill that would effect my credit history???????

Answer 1

Did they give you a letter explaining why the aren't paying. Insurance companies have to provide written notice as to why they are not paying your claim. If I knew why they weren't paying, I might be able to better answer your question.

Answer 2

Was your policy written in your home country, or in the U.S? If your policy was written in your home country, the State Insurance Commissioner has no jurisdiction over it.

In your statement, you didn't say that the insurance company denied the claim. You said that your hospital bills were $140,000, and the insurance company wouldn't pay that amount. Was there a percentage of that amount which they said they would pay?

Your policy probably has a deductible and copays. In other words, if you have a $1000 deductible, and your policy pays 80% of the next $10,000, your out of pocket costs would be $3000. So the insurance company would pay $137,000 if the bills were "reasonable and customary". If the hospital charges more than the reasonable and customary rates, you have to pay the difference, or negotiate with the hospital.

Health insurance policies written in the U.S. are required to tell you in writing why a claim was denied..

Are you trying to file a claim on a pre-existing condition that was not covered? If so, your insurance policy is not bound to cover it for a period of time.

If all else fails, you may be able to negotiate with the hospital on a payment plan. Or you may contact the State Department of Health and Human Services to see if you can get some help from our government. Or you may get in touch with your country's government to see if they will help.

Answer 3

Find out why the bill was denied.  Did the hospital obtain the proper pre-certification for your inpatient stay?  (A hospital stay of 40 days would not only require approval at the time of admission, but also ongoing verification throughout the stay.)

When you find out why the claim was denied, then come back here and let us know.  It could be something very simple like a minor billing/coding issue, or it could be something bigger such as the insurer not getting approval for the stay.

Either way, we'll be able to help you better if we know the exact problem.  :)

Answer 4

Are you insured by a U.S. insurance company or a company in your home country?  If it is a U.S. policy, contact your state's insurance regulatory agency for guidance.  I'm not familiar with policies issued by other countries, so can't help if the policy is non-U.S.

Answer 5

Well, obviously, you could pay them.

Or, you can appeal the decision with the insurance company.   They have to give you a reason why they decline - if you think it's wrong, you can tell them why they're wrong, and why they should pay.   You'll have to refer to the policy contract.

Yes, hospital bill collections are very aggressive - they will pursue you overseas, even.