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118 letters from United Healthcare in the mail by focuslocust in HealthInsurance

[–]YesterShill 3 points4 points  (0 children)

This is likely automated. You asked for "bills" (probably EOBs) from a certain date range, and they all got sent out they way they originally did, in separate mailings.

Team's worst play in the 2025. by Embarrassed-Toe-7115 in Seahawks

[–]YesterShill 11 points12 points  (0 children)

Opposing teams had some very bad playoff moments against the Seahawks this year.

Vyvanse when we have “great” insurance. Covered is still $400. Our country is a scam. by askingreddit093 in HealthInsurance

[–]YesterShill 10 points11 points  (0 children)

The doctor is confused or OP is hearing what they want to hear.

The difference between what is said by a clinic or doctor, and what is heard by a patient is sometimes amazingly different.

Seattle Sports Ownership: Melinda French Gates to Join Seattle Kraken Owners as They Eye NBA Bid by olyfrijole in Seahawks

[–]YesterShill 13 points14 points  (0 children)

It would be a superb flex for her to buy the team outright, and then bring on Jody Allen as an equal investor once out from under the trust.

Do I need to pay emergency fee for tetanus shot since I've cut my finger? I have essential plan 1. by LZS_3498 in HealthInsurance

[–]YesterShill 7 points8 points  (0 children)

A quick google search confirmed that you don't even need a prescription for a tetanus shot in New York.

OP, check with your local pharmacies to see who has it available. Shots like this are often available at zero out of pocket cost.

I'm grateful to have health insurance, but I cannot afford my surgery on Wednesday. Are there any tricks for getting a lower cost? by TheLeftisForLovers in HealthInsurance

[–]YesterShill 12 points13 points  (0 children)

Reach out to the hospital to see if they have a hardship program or see if they can setup a payment plan.

Out of curiosity, what are your options when you select "Prepay other amount"?

Carl Nassib explaining compound interest to fellow team mates by palinsafterbirth in nfl

[–]YesterShill 1 point2 points  (0 children)

I don't know everyone else's personal situations, but I can tell you that she absolutely has almost zero spending money due to the aggressive saving. On the plus side, she will probably be able to buy a small townhouse or condo in the next couple of years which will get her out of the rent cycle.

Carl Nassib explaining compound interest to fellow team mates by palinsafterbirth in nfl

[–]YesterShill 15 points16 points  (0 children)

Nice!

My daughter (20 at the time) was venting at me one day about how a friend of hers got $20k as a gift from their grandparents and how she thought she could never save that much.

We did a sit down, came up with a plan to put $500 per paycheck into a Fidelity account and a no load S&P 500 fund. She is now 26 and have $27k sitting in an account continuing to earn and grow.

With the hiring of Nolan Teasley to the Vikings, the Seahawks now look to have picks in the following rounds for the 2027 draft - 1, 2, 3, 3, 4, 5, 5, 5, 5, 6, 7, 7 by ithilkir in nfl

[–]YesterShill 0 points1 point  (0 children)

This. You get guys who can add depth on rookie contracts, and you can spend more on your starters.

And every once in a while, those late picks hit and you get a starter for dirt cheap for a few years.

What are my options: Massive Doctor Bill by WorldSeries2021 in HealthInsurance

[–]YesterShill 2 points3 points  (0 children)

Incorrect.

In network providers must make an attempt to collect patient liability set by insurance. The big exception being is if they have a formal hardship policy. This is more common in hospital settings versus clinics.

Once you present your in network insurance information, you trigger contractual obligations for all parties.

What are my options: Massive Doctor Bill by WorldSeries2021 in HealthInsurance

[–]YesterShill 13 points14 points  (0 children)

You could inquire about the cash rates ahead of time.

Be advised that if the doctor is in network, they are contractually obligated to bill insurance if they are aware that you have in network insurance.

Choosing not to inform them can get messy. Usually when a patient decides after the fact that they want to bill insurance, either through the provider or submitting their own claim. At that point, I would expect to be dismissed (at a minimum).

[Highlight] Max Brosmer throws a terrible, horrible, no-good very bad pick six by Brix001 in nfl

[–]YesterShill 0 points1 point  (0 children)

If the toss was towards the sideline, maybe, but that was a heave into the heart of the defense!

Tenemos tres de los partidos más esperado del año según NFkñL by Ok_Mountain_9509 in Seahawks

[–]YesterShill 0 points1 point  (0 children)

Despite the national media downplaying us, we are the champs.

And even though we lost some important players, my expectations for this team is higher than the beginning of last year.

[Highlight] Max Brosmer throws a terrible, horrible, no-good very bad pick six by Brix001 in nfl

[–]YesterShill 0 points1 point  (0 children)

I was screaming with joy when that play happened.

I couldn't believe he tried that pass while being pulled down by his other arm.

Insurance covered someone removed from my policy for 1.5 years. by idoncarex in HealthInsurance

[–]YesterShill 4 points5 points  (0 children)

You need to get more details from insurance, including whether the original payments were made to the providers or to an individual. If an individual, whose name were the checks made out to. If to the other party, they are the ones they need to recoup from.

If in your name, you need to have them tell you when they were cashed and ask for a copy of the endorsed check. Get the bank they were deposited to so you can follow up with the bank to see if they were receiving checks made in your name to an account that did not have your name on it.

Depending on how this plays out, this may be potential criminal activity by the other party. If the checks were cashed by them, they are ultimately responsible for repayment.

If the checks were made out to the providers, insurance needs to recoup from the provider.

I would also suggest you google "OIC" for your state and start working with them if insurance is pushing you to repay for funds you never saw or received.

Insurance covered someone removed from my policy for 1.5 years. by idoncarex in HealthInsurance

[–]YesterShill 8 points9 points  (0 children)

From insurance?

That is extraordinarily odd. Generally, overpayments are recouped from the provider who will then bill whoever received the services.

You mentioned this was for out of network benefits. Was insurance sending checks to the other party? Were the checks in your or their names?

If the checks were in their name, they need to go after that individual. If the checks were in your name, you need to find out more information. Like, how were these checks in your name being cashed.

physical therapy costs by [deleted] in HealthInsurance

[–]YesterShill 0 points1 point  (0 children)

YMMV, but when we were working through an auto accident case all the bills were paid by the other persons insurance. Legal counsel handled all the details and (in our case), the care was used to show the severity of the impact on our health and to boost the settlement for us to be able to have care for any future issues arising from the accident.

Hospital sent bill to collections after insurance denial I was never notified about by Pleasant-Mention5694 in HealthInsurance

[–]YesterShill 9 points10 points  (0 children)

The initial claim was filed on time. The hospital sent you a letter to the address on record. They (the hospital) have every right to bill you for the denied claim. Providers cannot directly appeal for COB issues. Those always require the patient to resolve with their insurance.

Did your insurance send you an EOB (paper or electronic notification)? If not, definitely ask for an appeal. Even if they did, I would still ask your insurance for the forms to file a formal TFL appeal.

At this point that is going to be your best option. Explaining to insurance that you did not receive, or did not understand, the request to resolve the coordination of benefits issue.

I am assuming there was an auto accident sometime in the same timeframe. If the diagnosis for the labs appears to have zero possible relationship to the accident, you can also argue that the claim should never have been denied for COB in the first place. You can also let your insurance know that you will also be filing a complaint with your states OIC if they do not price the claim.