Getting very pissed off at the tone of these letters from a 'subrogation' outfit

[closeupready]

I had an MRI done, and two months later, I began receiving letters from some outfit in KY purporting to be asking me for information on behalf of my health insurance company as part of an inquiry into possible cause of the health condition.

First of all (I want to say to them), I have never heard of your organization. Before I will even consider answering your stupid questionnaire, I would need to hear from my own insurance company. Second, it's not like I really care whether you or the insurance company find someone to blame so you can take them to court and pass off the expense to someone else. That is not my problem. Third, I do not appreciate the tone of you concluding paragraph, making vague threats that if I 'choose not to cooperate with my health plan in the claims process, we will proceed accordingly.' Fuck. You. :mad:

[vincna]

1. You might have a claim yourself.

If a third party is repsonsible for your condition, you might be able to recover damages. Have you considered that?

[closeupready]

2. No, I didn't.

Can you explain what you mean? TIA.

[vincna]

5. You didn't provide any details in your OP...

but it sounded like you have some medical condition that was caused by the actions or inactions of someone else. Maybe you had some accident that was caused by someone else's negligence. Your insurance company might want to go after that person to recover their costs in treating you. In a situation like that, you would probably also have a claim. If I were in your shoes, I'd talk to them - what have you got to lose?

[sui generis]

3. call 'em up and tell 'em what you think.

record the ensuing phone conversation. Then inform them you forgot to inform them that you were recording but now they've been informed, and hang up.

[closeupready]

6. lol - love it!

I just may end up doing this. :D

[haele]

4. I got one every time one of the family ended up in the emergency room -

Basically, they're asking if this trip was due to an accident and whether or not the insurance company can tell the hospital to go find the other party's insurance if it was due to an accident.
Just another way they can get out of paying the bills.
Also, my husband often makes the mistake of showing his Reserves dependant's I.D. at a doctor's when he first fills out the paperwork (if it's easier access than his driver's license in his wallet)and instead of billing our insurance company, they try to bill TriCare, the military's dependant's and retiree's medical service which we are not eligible for another 10 years. Which adds another three months to the payment of whichever doctor's billing service is trying to get money.

Another reason for Single Payer - too many potential insurance entities the doctor or medical service has to ferret out for payment of the claim. And if the doctor or lab doesn't even know if they are getting paid - or how much whichever insurance organization finally pays them - for six to eight months after the service, what do you think that does to the rates for the service to people who have to pay out of pocket?

Haele

[closeupready]

7. Good points. It's amazing how people complain about government red tape, and yet,

here we have private entities tying up the process with just that. Unbelievable.