Negotiating Medical bills down?

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PostPosted: Tue Mar 19, 2013 1:09 pm   Post subject: Negotiating Medical bills down?  

Hi,



Is it possible for someone to negotiate their medical bills from a car accident down? If so, how?



my bills are currently about 150K.

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PostPosted: Wed Mar 20, 2013 10:00 am   Post subject:   

You haven't stated your query clearly. Who was at-fault driver? Assuming that you have no bodily liability or even PIP and that's why you are thinking for a negotiation, the answer to your question might be yes. Negotiation a settlement of medical bills is really posible and moreover, you can even discharge those in bankruptcy if you are really broke.

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PostPosted: Wed Mar 20, 2013 10:10 am   Post subject:   

Quote:
Negotiation a settlement of medical bills is really posible and moreover, you can even discharge those in bankruptcy if you are really broke.
This has nothing to do with the post.



The OP has posted in other threads about the accident in which he and his wife were involved. The question is a legitimate one, and the answer is, OF COURSE YOU CAN ATTEMPT TO NEGOTIATE the amount of medical expenses.



But, we still don't know how those bills have been paid to date. Were they paid by your PIP, your health insurance, the other party's insurance company. And we don't know if that is the total for one person's injuries or two. This all makes a difference.


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PostPosted: Wed Mar 20, 2013 10:21 am   Post subject:   

I agree to you Max and understand that negotiation/settlement has nothing to do with this.



Quote:
But, we still don't know how those bills have been paid to date. Were they paid by your PIP, your health insurance, the other party's insurance company. And we don't know if that is the total for one person's injuries or two.




As you seem also confused like me that's why I stated that the query was not complete. We need more details to try to come up with an answer.
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PostPosted: Wed Mar 20, 2013 12:20 pm   Post subject:   

Quote:
But, we still don't know how those bills have been paid to date. Were they paid by your PIP, your health insurance, the other party's insurance company. And we don't know if that is the total for one person's injuries or two. This all makes a difference.




Thanks for your reply Smile



150K is for myself only (includes surgery, helicopter transfer, fire rescue). My insurance paid some of the cost but not all. My PIP has not made a decision on my claim yet and its been 6-7months! Most of my bills are going to collection.



I'm getting worried my PIP insurance is trying to screw me to not pay the bills. Confused
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PostPosted: Wed Mar 20, 2013 2:16 pm   Post subject:   

Your PIP should have been paying your medical expenses from Day 1.



What state did this take place in? Please send me a PM or email, as this may now be the basis of a bad faith action, and if so, you need legal counsel..



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PostPosted: Mon Mar 25, 2013 5:17 am   Post subject:   

It is totaly depend upon the what terms and condition are set when you accept the policy.



According to my knowledge, It will recover full bills further I don't know what your claim will be

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PostPosted: Mon Mar 25, 2013 11:06 am   Post subject:   

Quote:
It is totaly depend upon the what terms and condition are
Medical bills are payable in full. Whatever you owe, you owe, unless the hospital or doctor (or other service provider) agrees to accept less as payment in full.



HMO/PPO doctors and hospitals will bill the regular full amount for their services rendered, as if you had no insurance, but have also agreed to accept reduced amounts from the insurance company as payment in full. You can negotiate for the same reduction or more. Generally, hospitals and doctors are willing to take 100% of something -- even if it's only 25% to 30% of what they have billed -- rather than 100% of nothing. Some HMO/PPO reimbursements are even lower than that, so there is considerable room to negotiate.



It has nothing to do with the terms and conditions of the insurance contract. Advice from persons who are not licensed insurance agents, such as ghaffar795, is unreliable.



An insurance company that pays a third-party claim as if it were a first-party claim (which is the OP's concern) has the right, in most instances, to subrogate and recover up to 100% of its payments from the third-party that caused a person's injuries or illness. Often, they sit on the sidelines until that first-party collects a settlement from the third-party, then they come in with their lien and take (or attempt to take) 100% of what they paid on behalf of their first-party insured. That amount, too, is negotiable. It is not set in stone. In some states, PIP payments themselves are not subject to subrogation.


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