I received a large check from my health insurance provider. Details below.?

Question

I believe the check was a computer mistake. My ex-wife who was no longer on my policy fraudulently used my insurance coverage to get procedures done when she and her daughter had no coverage with my provider. My provider paid the claims then asked the doctor to reimburse the money since she wasn't covered. The doctor paid the money back then mysteriously I receive this large check. I believe it was becasue it went over my copay. I am not responsible for my ex-wife's bills and I didn't request the money and the law says if someone sends you money in the mail it is yours to keep. Do I have a problem?

Answer 1

If you think the check is an error, the right thing to do is call or write a letter and ask for information regarding the claim, and, if you find it is not due you, return it.  The first thing insurers check is eligibility-- but mistakes do happen ( although with insurers, it always happens in THEIR favor, lol). Receiving a check in the mail from your health insurer is not the same as receiving an unsolicited item in the mail from a company you don't do business with. It is just hard to imagine your insurer paying a claim if they had not been paid the premium on your ex-wife and step-daughter, first. Be sure of all your facts before you decide how to proceed.

Answer 2

I don't think the law says if someone sends you money in the mail it is yours to keep.  Where is that law written?  I wouldn't spend a penny of that money because I believe they will ask for it back one of these days.  Good luck.

Answer 3

Very interesting..I think I would deposit in my savings account and if I did not hear from them for 6 months or so..I would probably spend it. They have auditing procedures that will usually catch these things..but what the h**l..give it a try. good luck and I hope you get to keep it.

Answer 4

Yes. You have a problem. If the insurance paid you money for a fraudulent claim, you should return it. It has nothing to do with your 'copay'. If she defrauded the insurance, and they paid the doctor, & got a refund from the same doctor... I can't imagine what payment you are entitled to. You should call them. IF the find the mistake, then can & will request it back from you... Whether its your wife's issue or your.... They'll request the money back from you if you cashed the check...

Answer 5

VERY interesting guide info about your Question HERE:

http://all-insurance-online.blogspot.com

Good luck!

Answer 6

Care full.....

Cash it and deposit it and you might end up owing far more than the check. A super basic thing could turn into $20k. The insurer will get their money.

There is only one way to go..... call your insurer.

Answer 7

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