in case the worker's comp insurance doesnt pay?
2007-02-03 10:51:44 · 9 answers · asked by zinger 2 in Business & Finance ➔ Insurance
in my particular case i do have an accepted claim, however i am having a test which may or not be authorized by workers comp. and I feel as if I need the test is done thru workers comp why should I have to give my private insurance information?
2007-02-03 11:02:17 · update #1
Absolutely. There's a thing called "Coordination of Benefits" - meaning, if you have more than one insurance (in this case, workman's comp and private insurance) each plan can point fingers at the other and say "That one is responsible" and it can be a mess to sort out. They might be keeping the private insurance on file in case they need to fight a coordination of benefits issue.
2007-02-05 02:24:47 · answer #1 · answered by zippythejessi 7 · 0⤊ 0⤋
It's not "collateral" - it's a secondary payment method. And if you DON'T give it to them, and workers comp DOESN'T pay, then YOU are responsible for it in full. It's much easier for them to then attempt to bill the health insurance carrier, and easier for you, too.
Workers comp - as I'm sure you're adjuster told you - is prohibited BY LAW from "pre-authorizing" services. That means, first you get the treatment/testing, and based on the results, the WC carrier will decide if it's work related.
I had a case once, where some guy went to the doc for carpal tunnel - the whole achey tendons in the arm thing. He was ripped that he had to have testing and it wasn't "pre-approved" by the comp carrier. But the testing revealed he had bone cancer in his arm - which was NOT work related.
Obviously, I hope that's not the case with you. But it DOES happen (not just the cancer bit, but other things) and the doc does NOT want to have to sue you for the bill when getting the health ins. info up front can save you BOTH lots of hassles.
2007-02-03 15:18:30 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
Workers comp will try to avoid paying if possible. My experience is that it took over 5 years for the claim to go through the system, and the insurance company holding the worker comp policy for the employer will try to make as many people look as if they are committing fraud and are willing to ruin your life to avoid paying a few bills if they can get away with it.
2007-02-03 11:02:37 · answer #3 · answered by Clown Knows 7 · 0⤊ 0⤋
Yes. Workers Comp can take several days or more to verify that it is a legitimate workers comp case. If they determine that it is not, the doctor must be able to collect on your treatment.
2007-02-03 10:56:45 · answer #4 · answered by Brian G 6 · 0⤊ 0⤋
Yes, because many times the work comp claim is denied, or the work comp carrier complains the work comp injury is a fraud. I used to collect work comp for hospitals.
2007-02-03 10:55:12 · answer #5 · answered by stick man 6 · 1⤊ 0⤋
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2016-09-28 09:26:38 · answer #6 · answered by ? 4 · 0⤊ 0⤋
Yes they can sir. Remember, comp don't always pay up. So if they don't pay. you will.
2007-02-03 10:55:40 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Yes, they need a way to guarantee they will receive payment.
2007-02-03 10:54:16 · answer #8 · answered by biker_beeotch 2 · 0⤊ 0⤋
THIS IS POST 9/11 AMERICA
THEY CAN ASK YOU ANYTHING
IF YOU DON'T TELL THEM, THEY WON'T
TREAT YOU..................AIN'T LIFE GREAT????
2007-02-03 10:55:04 · answer #9 · answered by Anonymous · 0⤊ 1⤋