Subject: Unable to Change Insurance After Appointment
Hi everyone,
I had a doctor’s appointment today for a right knee issue and encountered a problem with my insurance. The receptionist informed me that my UHC student insurance was rejected when she tried to process it during check-in. Instead, she used my husband’s Cigna insurance with a $4,000 deductible.
After the appointment, I asked if I could switch back to UHC for this visit if I confirmed it was active. She told me it wasn’t possible since she had already submitted the claim to Cigna.
I followed up with UHC, and they confirmed that my insurance is indeed active and should be usable. What can I do in this situation? Any advice would be appreciated! Thank you!
I’m sorry to hear about the situation you’re facing. Insurance claims can be quite complicated. Here are a few steps you can take:
Contact the Doctor’s Office: Reach out to the office where you had your appointment. Explain the situation and let them know that your UHC insurance is active and should have been used. Ask if they can submit a claim to UHC retroactively.
Gather Documentation: Have all your insurance details handy, including your UHC policy information, the claim status from Cigna, and any communication you’ve had with both insurance companies.
Speak with UHC: If the doctor’s office is unwilling to change the claim, you can contact UHC to see if they can assist in resolving the issue. They may have recommendations or solutions for you.
Request a Review: If the office refuses to change the claim, you can formally request a review of the claim from both UHC and the doctor’s office. Provide them with any evidence you have that demonstrates your UHC coverage was active at the time of the visit.
Follow Up: Stay persistent and follow up regularly with both the doctor’s office and your insurance companies until the matter is settled.
It’s frustrating to deal with these issues, but staying organized and informed will help you navigate the process. Good luck!