Community Chat

[blackhole99]

Sounds like a real PIA, hope you love your insurance coverage.

[Carmie]

To the best of my knowledge, unless things have changed recently, you would continue to use the insurance that was active when you were first admitted....even if the original insurance has cancelled.

Once you are discharged, the new insurance would be used.  This only applies to inpatient hospital stays.

The hospital will not split the bill and separate the charges because your insurance changed.

[september]

---

@Carmie wrote:

To the best of my knowledge, unless things have changed recently, you would continue to use the insurance that was active when you were first admitted....even if the original insurance has cancelled.

Once you are discharged, the new insurance would be used.  This only applies to inpatient hospital stays.

The hospital will not split the bill and separate the charges because your insurance changed.

---

This is how it has worked, in my experience. 

[Helen852]

My DH passed away in August of this year.  He was in the hospital for 10 days.  The bill from the hospital was what I call all inclusive.  It had every doctor, every test, every technician on there.  I went over the bill very carefully.  The hospital bill was $194,000.  My cost to the hospital was $614.00.  

Last year between all his appointments, blood work and other procedures and testings we met our deductible and out of pocket.  On the upside, some of that was able to be included on my taxes for 2019.  

The year before we had 2 ambulance bills.  One for when I had to call them and have him taken to the hospital, and the second when the hospital had him transported to the Trauma Center for emergency surgery.  The second trip was covered, but not the first one.  I did appeal to BCBS but they said because of the fact that we were not at our deductible for the year they would only cover 20% of the ride.  

[I am still oxox]

@Carmie 

The bill submitted to my original insurance company after 1-5-20 were rejected, we are not praying premiums why should the cover us.

---

@Carmie wrote:

To the best of my knowledge, unless things have changed recently, you would continue to use the insurance that was active when you were first admitted....even if the original insurance has cancelled.

Once you are discharged, the new insurance would be used.  This only applies to inpatient hospital stays.

The hospital will not split the bill and separate the charges because your insurance changed.

---

[Katcat1]

@I am still oxox  You should be grateful you have good insurance.  I had many hospital bills and I would pay on them but that was not good enough and the bills were sent to a collection agency inturn that contacted the credit bureau lowering my credit rating.  What a mess.  I can only pay on the bills and that is the best I can do and I certainly am not losing sleep over it.

[I am still oxox]

@Carmie 

Also I had numerous doctors visiting every day, and those visits after 1-5 were submitted to my first insurance and had to be resubmitted to my new insurance 

---

@Carmie wrote:

To the best of my knowledge, unless things have changed recently, you would continue to use the insurance that was active when you were first admitted....even if the original insurance has cancelled.

Once you are discharged, the new insurance would be used.  This only applies to inpatient hospital stays.

The hospital will not split the bill and separate the charges because your insurance changed.

---

[I am still oxox]

@Katcat1 

We have good insurance that we pay a fortune for, we are lucky in that way 

---

@Katcat1 wrote:

@I am still oxox  You should be grateful you have good insurance.  I had many hospital bills and I would pay on them but that was not good enough and the bills were sent to a collection agency inturn that contacted the credit bureau lowering my credit rating.  What a mess.  I can only pay on the bills and that is the best I can do and I certainly am not losing sleep over it.

---

[GNB1965]

Yikes! It's a shame that insurance has to be so complicated.

[Carmie]

---

@I am still oxox wrote:

@Carmie 

The bill submitted to my original insurance company after 1-5-20 were rejected, we are not praying premiums why should the cover us.

---

@Carmie wrote:

To the best of my knowledge, unless things have changed recently, you would continue to use the insurance that was active when you were first admitted....even if the original insurance has cancelled.

Once you are discharged, the new insurance would be used.  This only applies to inpatient hospital stays.

The hospital will not split the bill and separate the charges because your insurance changed.

---

---

As I mentioned, this applies ONLY to inpatient hospital bills....not bills from doctors.  Doctors bill separately.  All doctor bills should be submitted to the correct insurance company you had for each date you received services.

The hospital ( facility) bill is separate. They are required to submit the total bill to the insurance you had on day one of your admittance.

A little known fact is that insurance companies must cover inpatient facility bills if you had coverage on day one of your admittance until you are discharged....even if your insurance cancels while you are in there.  Once you are discharged, they will not pay if you're re-admitted.

Anyway, this change in coverage should not cause you any problems.  You just need to let the doctors know your new insurance info and they are required to submit the claims for you.