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Linda
Brandwin, R.N.
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Linda
Brandwin
is a registered nurse and a medical billing
and claims specialist. For the past 10 years
she has worked directly with insurance companies
to give advice and guidance to the health care
consumer.
Readers may send email
or write Linda Brandwin at 5500 Single Oak Hill
Ct., Woodbridge, VA 22192.
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Contact
a lawyer to find out the laws in other states
June 18, 2004
Q:
I
was in a motorcycle accident and I had to go to an orthopedic
office. I think they have given me the run around. I
had a $2700 doctor bill. My motorcycle insurance company
was supposed to pay all of my medical bills. Since it
was taking so long to settle with my motorcycle insurance
company, my orthopedic office put a lien on me. I had
to get a lawyer. My health insurance company said they
do not cover auto accidents. The funny thing is that
my health insurance finally paid the entire bill to
my orthopedist. The only problem that I have is that
when I received my settlement my lawyer told me that
I had to pay the orthopedist because of the lien. I
did so. The next day I received a notice that my health
insurance paid the total amount of the bill too. I called
my orthopedist's office and they said that they were
not going to refund me the money, but that they were
going to send my health insurance the refund. My health
insurance is no longer participating in Missouri and
I no longer have them as my insurance carrier. I am
wondering if the orthopedist really refunded the money
back to the insurance company. I was under the impression
that in the state of Missouri an individual did not
have to pay back their insurance. Please let me know
the answer.
A:
You
need not be concerned if your orthopedist's office returned
the overpayment to the health insurance company as they
previously stated to you. The health insurance company
can take care of themselves. Your real concern should
be who should have received that overpayment…you,
your health insurance company, or even your auto insurance
company. Some states do allow double payments. The health
insurance company pays the health care provider and
the car insurance company pays you. I do not give legal
advice nor do I know what the state laws are. You may
want to contact your lawyer again for this information.
Perhaps he didn't realize that the health care provider
was paid by both your health insurance company and from
the settlement from your auto insurance company. Another
reliable source for information would be your auto insurance
company itself. A representative should be able to tell
you precisely what the laws in your state say you are
entitled to.
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