I have AETNA insurance full coverage, and my hospital bill is $42,519, will my insurance pay all of it???

Question

i was in a sever car accident, lost control hit a tree. and my hospital bill is $42,519, for only 5 days in the hospital. No broken bones, no surgies. i only had a minor head concussion, and a few bruises. i have AETNA full coverage insurance and i am a full time college student. now will aetna pay all of the hospital bills..or do i have to pay some. im really confused.

Answer 1

learn to understand some basic knowledge of your confused field before accepting any suggestion is a great idea.Here is great place to get start.http://car-insurance.online-helpers.info...

Answer 2

All policies are a little different.  You are going to have to contact them to know for sure what is covered and what is not.  It is a little unusual for everything to be covered.  There is generally a deductible that you have to pay and often you are responsible for a percentage of the total bill.  I have a plan with AETNA that is considered pretty good but I still have a $250 deductible and have to pay 20% of the charges.

It's impossible to know what your policy covers so you're going to have to talk to your insurance agent.  You should receive an EOB (probably more than one) which is an explanation of benefits and details how much the total charge was, how much the insurance covered, and how much you are responsible for.  Scrutinize them closely and make sure there aren't any charges for procedures or treatments you didn't actually have.

If you receive a bill that you don't have the money for, contact the hospital immediately and try to work out a payment plan or reduced charge.  Don't let it linger and hurt your credit.  That's the last thing you need after a bad injury.

Answer 3

No - not likely all of it.  There are always deductibles and co-pays.  Read your policy provisions.

Answer 4

Hard to say without the policy but first relax.

The $42,519 is what the hospital says it will charge but Aetna will tell them what they can really charge.  Lets assume that Aetna gets them down to $20,500

You will probable have a deductible that will need to be paid and then most plans are actually 80:20 plans.  Under those assumptions you would be responsible for $4,500.

Your plan could be better or worse.   And the Hospital will be willing to work out a payment plan.

Advise:  Avoid signing an agreement taking out a loan on the balance due

Answer 5

If you were in a car accident, you should first determine whether the claim needs to be submitted to your automobile insurance company.

Answer 6

Aetna has a better chance of knowing than anyone here and they'll tell you whether you need to go to the car insurance company first.

Answer 7

We have NO idea.  

"Full coverage" does NOT mean that you are fully covered.  It means you have at least minimum liability, collision, and comprehensive.  You might not even have ANY medical payments coverage at all!!

Whatever the medical payments limit is, that is the most they will pay.

Now look at your policy, and see how much that is.  Or call your agent, and ask them what your limit is.

BTW, concussion and bruises is NOT a severe car accident.  You have no permanent injuries, and you aren't dead.

Answer 8

Your car insurance has personal injury limits on it. depending on what state you are in. Also if you have health insurance it will pick up and pay for your injuries. If the wreck is not your fault then you can sue the other persons insurance company if they don't pay your claim. Also if it's not your fault you can sue for personal injuries and pain and suffering.If your hospital bill is over $42,000 then I would think you would be entitled to some where around $115,000 -$150,000 in damages. But you will have to pay your hospital bills or the insurance company will come after the $42,000