Never thought being over-insured would be a bad thing.
August 21, 2014 9:48 AM Subscribe
Looking for any experiences, counsel, legal referrals to deal with health insurance clawback/SNAFU that's has my blood boiling.
posted by donovan to Law & Government (12 answers total) 2 users marked this as a favorite
Rather than being under-insured, apparently our problem is being *over-insured*
Recently received notice from health care providers that we "owe" a significant amount of money for healthcare delivered in 2012 and paid at the time by our insurance, which has since clawed back the payment.
The situation as I understand it:
> Both myself and my spouse have insurance through our employers and have paid for coverage for each other as well. We though this was "smart" to pay for "extra insurance"
> My spouse incurred substantial medical expenses in 2012 and these were paid for my my insurance company A. Big healthcare costs were a new thing for us as was/is navigating healthcare insurance, but we'd thought we'd been very conservative in paying for two sets of policies
> Company A just informed healthcare providers that since spouse was also covered by Company B back in 2012, they are retroactively denying claims, years later.
> Company B says they have no obligation to pay since too much time has past to make a claim for 2012.
> This appears to leave us on the hook for many thousands of dollars of healthcare that had been previously paid.
I'm shocked, livid, and angry.
Has anyone been in a similar situation or does anyone have any advice on how to best navigate with the obvious goal of not paying for services we believed we were doubly insured against?
Does anyone have a referral for a lawyer in the Seattle area that could assist here?