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The Water Cooler
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Medical Insurance Frustration
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<blockquote data-quote="JD8" data-source="post: 2594005" data-attributes="member: 24"><p>IN a nutshell BCBS is right IMO and I absolutely hate saying that because they are such a bassackwards company. Under the COB provision they are not required to cover something that is above and beyond what they state is customary for that procedure, typically, even if another company pays part of the claim. Protects them from double indemnity. </p><p></p><p><a href="http://personalinsure.about.com/od/insurancetermsglossary/g/coordination-of-benefits.htm" target="_blank">http://personalinsure.about.com/od/insurancetermsglossary/g/coordination-of-benefits.htm</a></p><p></p><p>FWIW, until recently I dealt with health care providers on a daily basis and typically their front office had no clue when it came to claims, billing, what the law says, and policy coverages. So take what they say with a grain of salt. You should be able to get some help from your HR or plan administrator.</p></blockquote><p></p>
[QUOTE="JD8, post: 2594005, member: 24"] IN a nutshell BCBS is right IMO and I absolutely hate saying that because they are such a bassackwards company. Under the COB provision they are not required to cover something that is above and beyond what they state is customary for that procedure, typically, even if another company pays part of the claim. Protects them from double indemnity. [url]http://personalinsure.about.com/od/insurancetermsglossary/g/coordination-of-benefits.htm[/url] FWIW, until recently I dealt with health care providers on a daily basis and typically their front office had no clue when it came to claims, billing, what the law says, and policy coverages. So take what they say with a grain of salt. You should be able to get some help from your HR or plan administrator. [/QUOTE]
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