I am dealing with a claim that was denied by my insurance for an ER trip back in December. Basically my plan renewed and what I didn't know was that illness wont be covered the first 5 days of my plan, and yep, got extremely ill on day 3 of new plan and it was denied.
My question is this- dealing with all of the bills I have received I am currently trying to negotiate them down and get them paid. They of coarse tried to bill me huge amounts, because of the denial, but at the same time, my insurance has sent me an EOB for all of them with their contracted amount which is about 1/3 of the price they are trying to bill me for. So since I was insured with them, do the have to honor that amount, or since insurance isnt covering illness can they tell me to pound sand?
thank you for any help or advice
My question is this- dealing with all of the bills I have received I am currently trying to negotiate them down and get them paid. They of coarse tried to bill me huge amounts, because of the denial, but at the same time, my insurance has sent me an EOB for all of them with their contracted amount which is about 1/3 of the price they are trying to bill me for. So since I was insured with them, do the have to honor that amount, or since insurance isnt covering illness can they tell me to pound sand?
thank you for any help or advice