When I go normally (preventive visit) to the doctors he is considered as a general doctor and my copay is the normal amount. Recently I went to the same doctor because I was sick, the insurance company is now calling him a specialist and are charging me a higher copay. Is this normal? I thought that the doctor was label as a general or specialist no matter what I go to them for. Thanks for your help!
Archive for January, 2010
Can An Insurance Company Flip Flop A Doctors Classification As A Specialist Or General?
Sunday, January 31st, 2010Can A Company Charge Me A Premium For The 4 Months It Took Them To Approve Me For Term Life Insurance?
Saturday, January 30th, 2010Most companies take the first month’s premium up front and give a conditional receipt. The receipt says that if you die during this time, and we would approve you under normal conditions, we pay the claim.
Once approved, you begin coverage from the issue date of the policy. Unless they back date the app (legal), you are not required to pay any past premiums while the policy was in underwriting.
Keep in mind though, back dating the app could have saved you money.