sandstone82
New member
Hi, I'm in California and I had motorcycle accident last week where I'm at fault. My question is if my health insurance can deny my claim if I am not covered by my Geico policy?
I did not hit anything, I just lost control and the bike and myself tumbled down the road.
So I had some bad road rash on my ankle and I went in about a week after the crash (yesterday).
They did an xray, bandaged me up, and sent me off with antibiotics because it was a little infected.
The doctor said to do a follow up with my primary care doctor. The Urgent Care and my primary care are within the UC (University of California) system. My wife is a nurse there and that's how we have our insurance through her.
So I called to set up a follow up with my primary care doc, and ended that phonecall. Afterwards, the scheduler called back and left a voicemail asking me to call him to provide my car insurance. He said it's a motor vehicle accident and that I will be billed for the visit and not my insurance if I don't get them the motor vehicle insurance.
I checked my Geico policy, and I have the minimum required by law. It states that "For Others" there is Bodily Injury Liability, but "For You" (i.e. me) there is just Uninsured Motorist & Underinsured Motorist coverage, which pays for if someone hits me and they don't have insurance.
So I want to tell my health care provider and my health insurance that I don't have motor vehicle coverage for my injuries, are they allowed to deny coverage? Am I going to get a full bill for my Urgent Care visit? I actually already paid the $20 copay when I went in, but I wouldn't be surprised if some admin person adjusted it or the insurance denies it later. I would have told them to not do the xray if I knew they were going to charge me fully, and I will just cancel my follow up appointment and not go if they're going to charge me full, which doesn't seem fair to me, but if it's their right by law they'll definitely make me pay, it's an insurance company so they will.
Thank you in advance.
I did not hit anything, I just lost control and the bike and myself tumbled down the road.
So I had some bad road rash on my ankle and I went in about a week after the crash (yesterday).
They did an xray, bandaged me up, and sent me off with antibiotics because it was a little infected.
The doctor said to do a follow up with my primary care doctor. The Urgent Care and my primary care are within the UC (University of California) system. My wife is a nurse there and that's how we have our insurance through her.
So I called to set up a follow up with my primary care doc, and ended that phonecall. Afterwards, the scheduler called back and left a voicemail asking me to call him to provide my car insurance. He said it's a motor vehicle accident and that I will be billed for the visit and not my insurance if I don't get them the motor vehicle insurance.
I checked my Geico policy, and I have the minimum required by law. It states that "For Others" there is Bodily Injury Liability, but "For You" (i.e. me) there is just Uninsured Motorist & Underinsured Motorist coverage, which pays for if someone hits me and they don't have insurance.
So I want to tell my health care provider and my health insurance that I don't have motor vehicle coverage for my injuries, are they allowed to deny coverage? Am I going to get a full bill for my Urgent Care visit? I actually already paid the $20 copay when I went in, but I wouldn't be surprised if some admin person adjusted it or the insurance denies it later. I would have told them to not do the xray if I knew they were going to charge me fully, and I will just cancel my follow up appointment and not go if they're going to charge me full, which doesn't seem fair to me, but if it's their right by law they'll definitely make me pay, it's an insurance company so they will.
Thank you in advance.
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