Amethyst
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Dec 21, 2008
- Messages
- 12,668
Mr. A. is about to move onto Medicare as his primary insurer, with FEHB as secondary. I'd like to hear from other Federal retirees who have gone this route. What has been your experience with submitting and tracking claims?
I am worried. To date, my only experience with 2 insurances has been with dental insurance (FEHB BCBS is primary; Humana dental is secondary). It has been uniformly awful - no matter how often I explain the situation to my dental office, they invariably screw it up and I end up getting collection letters.
They will submit to BCBS, which pays nothing for dental, and then omit to send the BCBS denial to Humana for payment.
Or they bill Humana directly, and then blame me when Humana refuses to reimburse without proof that BCBS was contacted first.
I don't think the average doctor's office or hospital is likely to be any more competent than my dental office. Therefore, I'm really concerned about the potential for screw-ups with Medicare and FEHB, especially now we're starting to use our health insurance quite a bit.
Amethyst
I am worried. To date, my only experience with 2 insurances has been with dental insurance (FEHB BCBS is primary; Humana dental is secondary). It has been uniformly awful - no matter how often I explain the situation to my dental office, they invariably screw it up and I end up getting collection letters.
They will submit to BCBS, which pays nothing for dental, and then omit to send the BCBS denial to Humana for payment.
Or they bill Humana directly, and then blame me when Humana refuses to reimburse without proof that BCBS was contacted first.
I don't think the average doctor's office or hospital is likely to be any more competent than my dental office. Therefore, I'm really concerned about the potential for screw-ups with Medicare and FEHB, especially now we're starting to use our health insurance quite a bit.
Amethyst