Kaiser paid for emergency room 2 years ago, due to car accident

[zamen]

California

Had a car accident in a friend's car, due to friend' s fault 2 years ago
was taken to emergency room, didn't claim against friend insurance
Kaiser paid for emergency room 2 years ago,

now they send me a questionnare about emergency room visit 2 years ago(cost 190 dollars, 50 my copay) (superficial bruses to right hand, etc) asking what was the nature of an accident and asking about car insurance data, mine or whoever was at fault.

I don't what to give them my/my friend car insurance info, since the car insurance will raise the rates, but I am really worried if they kick me out of my Kaiser Plan, although I am in Kaiser plan for 10 years

 

[cbg]

Which would you prefer; that your friend's car insurance rates go up because of this accident, or that YOUR health insurance rates go up because they ended up paying a claim that your friend's car insurance should have paid for?

 

[zamen]

well, the bill for emergency room in UCLA, was 240, I paid 50 in front, and send bill for 190 to Kaizer.
What should I do now?

 

[cbg]

Answer the questions and return the information to them.

I'm not talking about how much they paid on the claim, I'm talking about how much YOU PAY for the insurance. The more claims they end up paying that other insurance companies should have paid, the higher your premium will be.

It's entirely possible that your friend's insurance should have been the one to pay. Kaiser very well may have a right to this information. Stop being so worried about your friend's premiums; if the accident was his fault, it serves him right. Be more worried about your own.

 

[ablessin]

Not to mention that it is WRONG to "hide" information from the carrier!!!!
You are playing with fire, here.
Give them the information that they are asking for before you wind up in big trouble.
- it doesn't sound like there were huge medical bills racked up. My guess is Kaiser is going to open an investigation on this so you had better 'fess up NOW..............

Before you get yourself and your friend in trouble.... you're talking more than insurance here - there are legal issues too - why do you think they ask these questions? Not for fun - believe me - at the hospital we have to keep everything on the up and up and ask questions about insurance and WHY you are here.........

 

[zamen]

in the questionnare they are asking about data that I probably don't have
since it was 2 years ago...
Can I just have my friend pay this bill and close this issue...

Also the timing of it looks suspicious to me.
for the last year I was requesting more treatments from Kaiser due to some lymphodema conditions, and I suspect they are looking for ways to kick me out, Althought the premioums that my employer and me paid increasing big time...

 

[cbg]

If this is insurance that you have from your employer, they CANNOT kick you off the plan. Period. So get that idea out of your head. They know that and they aren't even going to try. They'd have your employer and the Federal DOL on their back so fast it wouldn't even be funny, and they know that perfectly well. I doubt that the idea of "kicking you off the plan" has even crossed their minds.

Just having your friend pay the bill is NOT going to close the issue. The only way this issue is going to be closed is if you submit the information they requested. If you don't know all the answers, tell them that, but tell them the information you have.

You don't seem to understand that your insurance has a right to be reimbursed from your friend's insurance carrier. It is not up to you to try to protect your friend from his own actions. Answer the frickin' form, already!

 

[ENASNI]

jeesh

Jeesh Zamen noodle head!
Do what they say.
You actually frustrated CBG and that rarely, if ever, happens! So you are on my nerves now too... I have the greatest respect for cbg!

Just answer the bloody questionnaire to the best of your knowledge and turn it in.

 

[cbg]

Thanks for the support, Enasni, you're a good kid!

 

[purple2]

As described above, there are a variety of reasons you should answer the insurer's questions. Above all is that it would be fraudulent for you to intentionally hide coverage information or to obstruct the insurer's efforts at obtaining that information. That is very serious.

Patients don't get to pick and choose which insurer pays what on their claims. Those decisions are made by laws, regulations, and insurance company agreements, not by patients.