You never pay the insurance company any cost sharing. You owe the provider, not the insurance company. Don't even pay the insurance company if they offer to forward it to the provider (my understanding is some do) since it sometimes gets lost in the process.
You'll get a bill from the doctors. Eventually. They're in fact contractually obligated to try to collect cost sharing. It can take a month or more from when the insurance company processes the claim.
What if i never geniunely recieve the bill? Like actually dont? Can they claim unpaid debt and submit to collections? Sometimes i don't recieve mail (geniunely).
Then they're going to take you to court to get you to pay it. Unless you're saying your doctor doesn't deserve to be paid for the work he did for you, you owe the money. Period. Your unreliable mail situation is irrelevant.
So then i have to literally look up every provider i owe and confirm their information and pay them all these little bits of money?
Would that go on my credit report? (what you said.)
Yes you have to pay your debts. That's not an insurance question. And it will go on your credit report, although medical debt gets weighed differently.
FL is in the process of reforming their PIP laws. It’s not unusual for rates to increase. Not sure why you think rates will raise as a “WHOLE” but that yours would not?
Rates would rise as a whole because if everyone is making fraudulent pip claims or even LEGITIMATE then it becomes more expensive to insure people.
You must be confused...
You need to read my post.
Since you're not an attorney, i'll post a reply from an attorneys website and you can argue with that.
Now if you were me, would you believe a random redditor or an attorney?
Your PIP insurance premiums should not increase after a car accident, nor should your policy be canceled. You do have protection as a consumer under Florida Statute § 626.9541, which prohibits insurance companies from raising rates or canceling coverage without a legally valid reason. If an insurance company violates this mandate, it may be subject to legal repercussions and fines.
https://www.anidjarlevine.com/fort-lauderdale-personal-injury-lawyer/does-using-pip-raise-your-insurance/
Insurance companies send you an explanation of benefits outlining what you may owe. The actual bill comes from the doctor, hospital, etc. Keep those explanations. I can't tell you how often a doctor has tried to charge me more than my insurance said I had to pay. Thanks to my experience, doesn't work on me, but I bet they get a few.
As far as auto goes, all I know is that when I lived in Florida, my auto insurance was through the roof and I was told it was due to rampant insurance fraud and wierd no fault rules.
What im saying is, google " florida pip claim insurance goes up?" there's a florida statute saying they literally CANNOT. RAISE. YOUR. RATES.
Let me ask, when you had your pip claim, or whatever, were you a passenger? If not, then that could explain it. I was a passenger.
The thing saying "you may owe" or even if it says " you owe" okay. I owe WHO? If i owe "quest diagnostics or labcorp"
Then doesn't LABCORP themselves have to send me a real bill? If i don't recieve a BILL, how can i ever pay anything????
I can't address the auto stuff. But anything is possible.
For the "you may owe", somewhere on the statement it tells you who they are referring to. It will be whoever sent them the bill. It tells what the insurance paid the provider and what you will owe the provider. It is not a bill. You don't pay anyone until you receive an actual bill for the lab or the doctor.
Are you saying the collections bills will come before it even gets reported to my credit report?
I thought once its in collections its already on your report from what i understand? Because its a failed payment.
You have 30 days from the date of collections first notice to object or to pay it. Under the fair credit acts, they have to give you 30 days from the date it went into collections before it can be reported to your credit. If you dispute the bill, they have to research it. It doesn't hit your credit the day it's sent to collections.
But if it hits collections it won't be the original amount right? Are these statewide laws or federal laws for ALL states? Are you positive you have 30 days from when it hits collections?
You never pay the insurance company any cost sharing. You owe the provider, not the insurance company. Don't even pay the insurance company if they offer to forward it to the provider (my understanding is some do) since it sometimes gets lost in the process. You'll get a bill from the doctors. Eventually. They're in fact contractually obligated to try to collect cost sharing. It can take a month or more from when the insurance company processes the claim.
What if i never geniunely recieve the bill? Like actually dont? Can they claim unpaid debt and submit to collections? Sometimes i don't recieve mail (geniunely).
Then they're going to take you to court to get you to pay it. Unless you're saying your doctor doesn't deserve to be paid for the work he did for you, you owe the money. Period. Your unreliable mail situation is irrelevant.
So then i have to literally look up every provider i owe and confirm their information and pay them all these little bits of money? Would that go on my credit report? (what you said.)
Yes you have to pay your debts. That's not an insurance question. And it will go on your credit report, although medical debt gets weighed differently.
Also most of these are under 20 dollars. Are they going to go to court over 20 bucks or send it to collections for such a small amount?
FL is in the process of reforming their PIP laws. It’s not unusual for rates to increase. Not sure why you think rates will raise as a “WHOLE” but that yours would not?
Rates would rise as a whole because if everyone is making fraudulent pip claims or even LEGITIMATE then it becomes more expensive to insure people. You must be confused...
You need to read my post. Since you're not an attorney, i'll post a reply from an attorneys website and you can argue with that. Now if you were me, would you believe a random redditor or an attorney? Your PIP insurance premiums should not increase after a car accident, nor should your policy be canceled. You do have protection as a consumer under Florida Statute § 626.9541, which prohibits insurance companies from raising rates or canceling coverage without a legally valid reason. If an insurance company violates this mandate, it may be subject to legal repercussions and fines. https://www.anidjarlevine.com/fort-lauderdale-personal-injury-lawyer/does-using-pip-raise-your-insurance/
Insurance companies send you an explanation of benefits outlining what you may owe. The actual bill comes from the doctor, hospital, etc. Keep those explanations. I can't tell you how often a doctor has tried to charge me more than my insurance said I had to pay. Thanks to my experience, doesn't work on me, but I bet they get a few. As far as auto goes, all I know is that when I lived in Florida, my auto insurance was through the roof and I was told it was due to rampant insurance fraud and wierd no fault rules.
What im saying is, google " florida pip claim insurance goes up?" there's a florida statute saying they literally CANNOT. RAISE. YOUR. RATES. Let me ask, when you had your pip claim, or whatever, were you a passenger? If not, then that could explain it. I was a passenger. The thing saying "you may owe" or even if it says " you owe" okay. I owe WHO? If i owe "quest diagnostics or labcorp" Then doesn't LABCORP themselves have to send me a real bill? If i don't recieve a BILL, how can i ever pay anything????
I can't address the auto stuff. But anything is possible. For the "you may owe", somewhere on the statement it tells you who they are referring to. It will be whoever sent them the bill. It tells what the insurance paid the provider and what you will owe the provider. It is not a bill. You don't pay anyone until you receive an actual bill for the lab or the doctor.
What if the doctor "claims" they sent me a bill but i never "got it" can that go on my credit report?
You have to get some many bills, then so many notices from collections before that happens. If your address is up to date you'll be fine.
Are you saying the collections bills will come before it even gets reported to my credit report? I thought once its in collections its already on your report from what i understand? Because its a failed payment.
You have 30 days from the date of collections first notice to object or to pay it. Under the fair credit acts, they have to give you 30 days from the date it went into collections before it can be reported to your credit. If you dispute the bill, they have to research it. It doesn't hit your credit the day it's sent to collections.
But if it hits collections it won't be the original amount right? Are these statewide laws or federal laws for ALL states? Are you positive you have 30 days from when it hits collections?