Money To Live

December 17, 2008

Update: health insurance reimbursement

Filed under: Uncategorized — by moneytolive @ 5:00 am

A while ago, I wrote about my health insurance. For various reasons, I spent several hundred dollars out of pocket and had to file a claim form with my insurance company.

When a month after filing the forms I had not heard anything, I called the insurance company and then the billing departments of the doctor offices I had seen.

In total, it took 7 phone calls to get two doctor offices to reimburse me for what I had paid out of pocket.

My favorite phone call:

Katy: [spends 3 minutes telling the story of why I need to be reimbursed]

Billing representative: Well, let me pull up your file. … Why, you don’t owe us anything!

Katy: That’s right. You owe me money.

Fortunately, the lady burst out laughing. Probably most of her phone calls are exactly the opposite – with her asking patients for money.



  1. So the doctor offices owe you money, not the insurance company? I’ve never had that happen, but maybe I didn’t know I could ask for it. Why did they owe you money?

    Comment by Shannon — December 17, 2008 @ 11:00 am |Reply

  2. just leaving a comment to say this little “clip” makes me laugh out loud & it should be a dialogue in a movie.

    Comment by katherine — December 18, 2008 @ 1:47 pm |Reply

  3. Shannon – the insurance company sent payment directly to the doctor offices, and then they returned a portion of my original payment. These doctors were all in-network – maybe when visiting an out of network doctor the reimbursement would be direct to the patient.

    Comment by Katy — December 23, 2008 @ 11:28 pm |Reply

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