Didn’t realize I had to set up Coordination of Benefits. Denied claims are supposedly “under review”. What do I do?
Alright, let’s go. I’m 24F, working full time, and I have a handful of health concerns and prescriptions.
I’m currently covered by my parents’ plan, Blue Cross Blue Shield (BCBS). I started a job in March 2022 that offered healthcare coverage, United Healthcare (UHC). As implied by the title, I didn’t know coordination of benefits was a thing I had to do. I started using the UHC plan for everything, told my providers to use UHC instead of any BCBS on file.
It wasn’t until February 2023 right after a medical emergency I found several thousand dollars worth of denied UHC claims. The notes state that their records have me under another primary plan (BCBS) and I need to send those EOBs in. I don’t have EOBs for them because we never filed them with BCBS.
I called both companies and established coordination of benefits and listed UHC as my primary. They said they’d review my denied claims within 4-6 weeks. We’re still in that timeframe, but I just got a debt collections letter for one of my medical bills, so quite frankly I’m not up for quietly waiting.
Should I just pay my providers directly and then request reimbursement? Do I ask them to refile with BCBS? Any advice is appreciated.
submitted by /u/TableFar9270
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