Would you add this to bk

[backtoschool]

The ortho appt was because my son broke his ulna and radius, that was hardly planned. I really thought our insurance that we pay $1300 a month for would cover 80% of it(like it is suppose to), however they paid less than half.

They don't fix broken bones in the ER like when most of us were younger. Now you have to visit the ortho to get the cast and a second set of x-rays and anything else they can rake you over the coals for...

He had to go on the 11th to get a cast and then they scheduled him for a recheck a week later because the fracture in the radius was almost completely through the bone and the x-rayed it a third time to see if it was healing properly.

I think that the trustee will accept this explanation. I would add them to the schedule.

[stressedNC]

Yes, you can add this as you incurred the charge on 8/8. Doesn't matter when they actually billed it. It will cost you $26 to amend your petition.

Wait, your lawyer wants $100 to amend your petition? God, I'm in the wrong business. I could see $75, but $100??? Hopefully, that INCLUDES the fee of $26 paid to the court.

Thank you for your reply. We are going to go add them next Wednesday. My son gets his cast off on Tuesday and I want to wait until after that to add them. I know that bill can't be added I just don't want to have to go back to them after they are notified.

I think the $100 includes the court fees. They said it was a flat rate of $100 no matter how many creditors we add. We are adding three, the hospital, the orthopedist and the radiologist from the ER visit(they are not billed through the hospital). Atleast we aren't just adding 1 creditor we are getting our money's worth with 3...

[stressedNC]

I think that the trustee will accept this explanation. I would add them to the schedule.

Thanks for your reply I was just reading through the posts and realized that maybe you thought I meant orthodontist rather than orthopedist since they are also refered to as orthos. To bad it wasn't, our dental insurance actually pays for what they are suppose to...

[backtoschool]

Thanks for your reply I was just reading through the posts and realized that maybe you thought I meant orthodontist rather than orthopedist since they are also refered to as orthos. To bad it wasn't our dental insurance actually pays for what they are suppose to...

That's funny, because I DID think you meant orthodontist at first until I reread your posts.

I was thinking that a difficult trustee might see braces as a "luxury", at least for now.

But of course, a cast is not a luxury.

[OhioFiler]

The stats show that the medical bills are "not" the major contributor to bankruptcies. The powers in that District we call Columbia would have you believe that.

I do agree that many people seek routine medical care, from the emergency room. That itself is causing the healthcare costs to rise, but not the bankruptcies.

They'll make up any falsehood to advance their socialist healthcare agenda. Bastards!

[mom2three09]

We amended ours due to a med bill we forgot to add...it was $4K...I was going to add it myself, but our attorney only charged $60 total (that included the $26 FF)... so I just had him add for us. $100 seems high.

[hereforinfo]

The sad part is one of the reasons we can't afford it is because we pay $1300 a month for our medical insurance which should have covered 80% but is only covering 80% of what they say the ER and Orthopedist can charge us(about 40% of the bill).
Guess who our insurance is through? My husband's employer who happens to be the very hospital we visited and that our insurance won't pay for........

You may want to dispute the bill, because if you have an HMO or PPO, then the providers can only charge you for the difference up to the amount the insurance company has in their contract with them. For example, if a provider normally charges $1500 for something, but the "reasonable and customary" amount in the contract with the insurance company is $1000, then that's the amount they have to use. So if the insurance company pays 80% of $1000, the provider can only bill you for the remaining $200. However, if the provider was not in the insurance company's network, then that example does not apply.

[IBroke]

They'll make up any falsehood to advance their socialist healthcare agenda. Bastards!

Well, I would really be pi**** if I would have to pay $1,300/month on a health-insurance that doesn't even cover half the cost of a broken arm. If an insurance doesn't pay your claim, what is it good for in the first place?
Right now, I don't have health-insurance and as long as they don't change that "You pay but we needn't deliver"-method, I certainly won't obtain one. I won't "feed the pig". $1,300/month covers a lot of medical-bills.

But maybe it's just me who believes the healthcare-industry is getting more than it should..

[justbroke]

Thanks for your reply I was just reading through the posts and realized that maybe you thought I meant orthodontist rather than orthopedist since they are also refered to as orthos. To bad it wasn't, our dental insurance actually pays for what they are suppose to...

I'm now on the dispute and appeal bandwagon. I would immediately file a dispute and then go through the appeals on the payment. There is no way they could justify to me, not paying the 80%. I just had a similar argument with my provider over an outpatient surgery that cost $2,700. They want me to pay 20% of it. However, if I went to the hospital next door, they'd pay 100% of triple the cost!!! Makes no sense at all. My outpatient surgery was in fact an emergency and done during an emergency visit on the same day of the visit.

Had I known, I would have asked the doctor to literally, walk across the parking lot to the E.R. and do it there!!!