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Thread: Doctor wonít allow insurance filing?

  1. #1

    Default Doctor wonít allow insurance filing?

    The doctor had me pay the total cost for my hearing aids up front and file with my insurance company.
    My insurance company says the doctorís agreement with them gives me a discount down to about $1000. You may have seen this kind of thing on your insurance statements for any kind of doctor.
    My doctor says I signed a form waiving any insurance discount and won't give me money back. The insurance company says many doctors have patients sign waivers, but they usually arenít valid. However, the insurance company says this waiver is valid because itís written just right, it doesnít violate the doctorís agreement with them, and they donít encounter these very often.
    Has anybody encountered this kind of thing with any type of doctor?

  2. #2
    Join Date
    Apr 2014
    Location
    Rhode Island, USA
    Posts
    126

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    THAT is horrendous! Sorry you signed that form.

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    THAT is horrendous! Sorry you signed that form.
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    Rexton Accord 16 2c, BTE, left ear only, trial started April 22, 2014

  3. Default

    What exactly does the form say? There may be consumer protection laws that render the contract unenforceable. I think you should consult with an attorney. Maybe a phone call to your doctor will persuade him to change his mind.

  4. #4
    Join Date
    Aug 2010
    Location
    Central Alabama
    Posts
    2,621

    Default

    Quote Originally Posted by nielloeb View Post
    The doctor had me pay the total cost for my hearing aids up front and file with my insurance company.
    My insurance company says the doctor’s agreement with them gives me a discount down to about $1000. You may have seen this kind of thing on your insurance statements for any kind of doctor.
    My doctor says I signed a form waiving any insurance discount and won't give me money back. The insurance company says many doctors have patients sign waivers, but they usually aren’t valid. However, the insurance company says this waiver is valid because it’s written just right, it doesn’t violate the doctor’s agreement with them, and they don’t encounter these very often.
    Has anybody encountered this kind of thing with any type of doctor?
    Are you within the trial/return period, usually 30 to 90 days? Return them! Then file a complaint with the state board that covers his profession.

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    Quote Originally Posted by nielloeb View Post
    The doctor had me pay the total cost for my hearing aids up front and file with my insurance company.
    My insurance company says the doctorís agreement with them gives me a discount down to about $1000. You may have seen this kind of thing on your insurance statements for any kind of doctor.
    My doctor says I signed a form waiving any insurance discount and won't give me money back. The insurance company says many doctors have patients sign waivers, but they usually arenít valid. However, the insurance company says this waiver is valid because itís written just right, it doesnít violate the doctorís agreement with them, and they donít encounter these very often.
    Has anybody encountered this kind of thing with any type of doctor?
    Are you within the trial/return period, usually 30 to 90 days? Return them! Then file a complaint with the state board that covers his profession.


    New! 2014 ....2016
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  5. #5
    Join Date
    Jun 2011
    Location
    Northern CA
    Posts
    3,572

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    How long ago did you sign the contract, how long is your trial period, and where do you live? If you live in the US your state may have a mandated trial period for hearing aids. If they do you should return the HA's tell them why and go elsewhere. I would also turn this unethical crook into the state licensing board that regulates their practice for unethical business practices. also if you had to sign the form and pay him up front in order for him to file with the insurance co. and order the HA's then it would probably be considered signing under duress and it would not be worth the paper it's written on, but you will have to go to court to get the judgement. Another way to get the same outcome is go to an attorney and have him write a letter to the doctor explaining what is going to happen and it might do the same thing as going to court and be a whole lot cheaper. Another possibility is to contact Action line or your local tv station that has a consumer reporter and they might want to go after this guy on your behalf. Good luck!
    Oticon Agil Pro w/streamer

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    L 88% @55db ------- L-10
    R 90% @55db------- R-25

  6. #6

    Default

    I would file a grievance with the state medical board, the state insurance board and the state AG.

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    I would file a grievance with the state medical board, the state insurance board and the state AG.

  7. #7

    Default

    Hmmm, I've heard of waivers for patients who want to upgrade for a better quality aid than their plan covers (so the patient agrees to pay the difference), but haven't heard of a waiver of insurance discounts. Your provider should have explained their policy upfront.

  8. #8

    Default

    I spoke with another doctor who confirmed this happens, especially in practices (hearing or other) that have high-priced devices. Many insurance companies price high-dollar devices lower than the doctors’ costs.

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    I spoke with another doctor who confirmed this happens, especially in practices (hearing or other) that have high-priced devices. Many insurance companies price high-dollar devices lower than the doctorsí costs.

  9. #9

    Default

    My audi and the doc’s office contacted the insurance company and applied the discount when I made the purchase. I had to pay up front for the aids and the office reimbursed me when they received the check. Otherwise, I would have found a different audi and doc; as much as I like the audi I have now.

    It’s too bad your doc is treating you that way.

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    My audi and the docís office contacted the insurance company and applied the discount when I made the purchase. I had to pay up front for the aids and the office reimbursed me when they received the check. Otherwise, I would have found a different audi and doc; as much as I like the audi I have now.

    Itís too bad your doc is treating you that way.

  10. #10

    Default

    nielloeb I just want to say I'm so sorry this happened to you. I hope you decide to take some of the others advice because I just think this is a terrible thing that's been done to you. Thank you for sharing so others can learn from your experience .
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