In the case of an automobile accident, the auto insurance pays first, as they did. This would not affect her deductible through her personal (employer group) health insurance; she would still pay that. It sounds like the insurance companies are handling it correctly. There are probably several doctors and/or service providers involved, so it would be a good idea to contact each one. Presumably the health insurance has paid something to those providers?
“This would not affect her deductible through her personal (employer group) health insurance; she would still pay that.”
That’s interesting. I don’t know all the numbers, so I’ll use hypotheticals. If the total of all medical bills is $50k, my daughter is liable for the deductible no matter what? So, in hindsight, I should have not turned the claim into the auto insurance? Turning the claim into the auto insurance affected our rates. If they pay $10k less, we pay less in premiums. As far as her health insurance, they don’t care if they pay $48k or $38k as long as my daughter pays $2k?
All very odd to me.
Yes, payments have been made. The way bills from a hospital are handled, it’s pretty overwhelming. There’s the hospital, then the professional fees from this guy, and that gal and supplies from here and there. It’s like taking your car in and getting a bill from the shop, then one from Toyota, then one from the spark plug company, then one from the wire manufacturer, etc.