“Our car insurance covered the deductible plus some, and we never paid a penny. I guess you should talk to both the insurance companies to find out the scoop.”
She just talked to me before she left for school today. She said the auto insurance paid first, and that they stated the $10k should go to pay the deductible. But, now that the auto insurance has paid, they are out of the loop. They’ve handled their obligation, and don’t want to hear any more about it.
The health insurance says that the deductible stands, regardless of what the auto insurance company says.
Random thoughts:
1. Many Health Care Plans only pay a portion of the medical bills, even after the deductible.
2. Many Health Care Plans pay LESS than the bill requires, either as a matter of course(or policy) or by “negotiating down” the full bill.
3. For Profit medical businesses sometimes will bill (dun) a patient for any difference between their original (sometimes exorbitant) bill and the amount the Insurance Company paid.
( A little old lady I know [who’s total income was $500/month, from SS plus SSI] was dunned for the difference between what Medicare paid and the full bills. They didn’t bother to bill Medicaid, and knew full well that She could not afford to pay.)
4. You could read your daughter’s insurance policy to try to see what they have obligated themselves to do.
5. You could “google” the name of the company, and “complaints,” etc and maybe find out the reputation of that company and maybe ways people have tried to solve the problem.
6. You could look for one of the outfits who negotiate with Credit Card companies, preferably one with a good reputation and is a non-profit. They MIGHT be able to negotiate these issues for you, or tell you how you can do it.
DG