
Betty asks…
How long does it usually take for my insurance company to reimburse the dentist?
I had a root canal done last week that cost $916. I have dental insurance but the dentist wants me to pay now and then he said he’d sign the insurance check over to me once he receives it. I was just wondering how long it takes the insurance company to issue a check.

answers:
It usually takes about 2-4 weeks after the claim is filed for the dental office to receive insurance payment. However, if the insurance requests additional information (ie. X-rays, narrative) from the dentist, it may take longer depending on the response time. You should receive a copy of the insurance explanation of benefits (EOB) a few days before the dentist receives their copy. You can also call your insurance to check on the status of the claim to know if its currently or already been processed. If the insurance tells you it’s pending additional information from the dentist, you can call your dental office and let them know to hopefully expedite the process. Hope this helps.

Sandy asks…
If your insurance company denies a claim, are they legally obligated to defend you if you get sued?
Had an accident and the other driver filed a claim with my insurer.
The insurer denied the claim after talking to me and looking at my photos.
So if he sues me, is my insurance company obligated to defend me? What if he sues me in small claims court where no lawyers are allowed?
And if I were to lose the case, will the insurer pay?

answers:
Until you fill in the blanks, I don’t think anyone can answer your question!
Why did your insurance company deny the claim???
Who was at fault???
Were the police involved???

Paul asks…
How much time can an insurance company take to settle a claim on a personal injury lawsuit?
Presently waiting for the other insurance company, is there a specific time period that they have or is it indefinate?

answers:
There is no requirement to reach a settlement, theoretically they can settle any time BEFORE the jury reaches a verdict in the case. Typically, insurance companies settle when they believe they will lose and are reasonably certain they know the value of the damages.

John asks…
How the heck does an insurance company consider a yeast infection a pre-existing condition?
My insurance company is trying to dispute a bill because I had a yeast infection. They’re claiming it’s a pre-existing condition! WTF!!! A yeast infection? It’s not like that is some serious condition that I knew about. I went to the doctor and found out I had one. What a rip off!

answers:
Here’s what you need to know:
When a claim is billed to the insurance company, the doctor’s office uses an ICD-9 (diagnosis) code for the claim.
The insurance company flags the claim to investigate whether its pre-existing based on the diagnosis code used. (Some diagnosis codes will flag for possible pre-existing, other diagnosis codes would never be considered possible pre-existing and be processed as normal right through the system.)
They send you and/or the doctor a questionnaire asking if you’ve ever been treated for that diagnosis code before.
Here’s what you need to do/ask:
1) Did you have continuous health insurance coverage prior to this plan? If so, then you should be exempt from a pre-existing clause. Just provide documentation of your previous creditable coverage to your insurer, and you’ll never hear a peep about pre-existing conditions again.
2) Did your doctor’s office bill the claim with the correct diagnosis code? The code is just a number (for example, a yeast infection diagnosis code would start with 112), and a simple typo in that code can drastically alter a bill – make it seem like you were treated for something totally different.
3) Do you truly have chronic yeast infections, or was this your first one? If its your first one ever (or in a very long time), then its not “pre-existing.” You simply need to respond to the questionnaire that you’ve never been treated for that before. If you do truly have chronic yeast infections and a yeast infection happens to be a diagnosis that your insurance company flags for pre-existing, then there’s not much you can do about that.
The first thing I’d do though was provide my evidence of creditable coverage, as that will waive your pre-existing clause. (As long as you had continous insurance before this without a 63 day break in coverage.)

Laura asks…
What is the cheapest car insurance company in Ohio for first time teen drivers?
I 16 and about to get a car but need to know the cheapest insurance company in ohio for teens.

answers:
You are 16 years old. You don’t buy your own insurance. You get added on to your parent’s policy.
Have your parents call their insurance agent.

Sandra asks…
Is the auto-insurance claim information shared if I switch the insurance company?
Hi!
I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y?
Thanks!

answers:
Most of the time, yes they will find those prior claims.
Many insurance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company.
Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.
Because your rate went up due to the claims, it’s not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims. Try this site to find the best auto insurance
http://saveautoinsurances.blogspot.com/
Here you can get quotes from different auto insurance companies in your area, its the best way to find an affordable auto insurance with a reliable company.

Richard asks…
Which Insurance company in Canada has the cheapest rates?
I’m looking for Auto Insurance, and I have a history of one claim with my previous insurance. They hiked up the premium so high, that I am forced to look elsewhere. Any suggestions on which insurance company would be understanding a reasonable in their quotes?

answers:
Cano insureo is good

Chris asks…
What is reported to the insurance company when you get a speeding ticket?
I’m just wondering if I have to tell my parents about a speeding ticket I received… I wasn’t exactly where I was supposed to be and I want to know what the insurance company will tell the policy holders (my parents). Will they give details about the location and time the ticket was given?

answers:
Dont listen to that clown INFORMATICA. He’s a carfax spy and doesnt know what the hell he’s talking about. As long as you’re not listed on the policy, your insurance or parents will never know.
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