Recent content by woodworker

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  1. W

    Coordination of Benefits with Double Coverage - Medical Insurance

    WRONG. Insurance B is absolutely primary to Medicare if the insured is still employed, and employer has a large group plan of 50 or more. Or, I think, if spouse is employed, and same situation.
  2. W

    Coordination of Benefits with Double Coverage - Medical Insurance

    It sounds like the two insurances each acted as primary insurance, instead of one acting as primary and one as secondary. Apparently one company does not know about the other. So it probably was not processed correctly. I assume this is a married couple, each having full insurance from their...
  3. W

    Complete Tire Separation on Rental Now Alamo billing me for $805.00

    All true. But the relevant question is how common is that (extremely uncommon in my opinion) compared to the extremely common driving on a flat tire. Sometimes (like happened to me) you can drive pretty far and be unaware tire is flat. And when you notice a light on the dashboard today, you...
  4. W

    Complete Tire Separation on Rental Now Alamo billing me for $805.00

    " Except that years ago cars did not have low-pressure tire warning lights: " the tire light came on (dashboard). NOTE: no other light came on or was on, in the dashboard. I then began to make my way over to the right-hand emergency lane ". The OP pulled over as soon as the tire light went on...
  5. W

    Complete Tire Separation on Rental Now Alamo billing me for $805.00

    Just as a point of information, the picture and the description are entirely consistent with the most common and logical reason for this tire "separation". What the picture shows is the effect of driving on a tire that went flat (for whatever reason - bad valve, nail in tire, etc) and the...
  6. W

    Wells Fargo Bank CC Dispute

    "My card issuer specifically says pending is an authorized charge. " I don't know how your card issuer informed you that a pending is an authorized charge. I can tell you for a fact that I use my CC card for business purchases and on a weekly basis, I get pending charges for purchases that are...
  7. W

    Wells Fargo Bank CC Dispute

    I am not writing for advise, nor about anything current. I am just pointing out how there is a "gray" area, a no-man's land so to speak, where bad problems occur, and there is no clear solution. This is regarding purchases that get suspended by CC company until you respond, combined with how...
  8. W

    Wells Fargo Bank CC Dispute

    This is a real big problem - that has happened to myself. I purchase something expensive online- like an airline ticket. I get a text on the phone asking me if it is legitimate or not. I IMMEDIATELY respond that it is a valid charge. But that isn't fast enough for the airline to consider the...
  9. W

    Business or Residential?

    Just to clarify the situation: A fire department is a commercial business, and does and should have a Comcast business account, paid for by the city. So I assume by your letter that the city limits the personal use of that internet connection, and you "guys" have to pay for a second internet...
  10. W

    Business Consulting

    I don't want to smear all "business consulting services" especially one on Facebook, but you should consider your personal situation, which I know nothing about of course. I assume you are an engineer. Most engineers are employees and do well. Going out on your own requires entrepreneurial...
  11. W

    Blue Cross Blue Shield International Denied Claim based on Non-existent Codes

    You NEED a health advocate. Getting a diagnosis ICD-10 code will not be sufficient. The hospital bill will have to be broken down to specific procedures that will need to be coded with CPT codes. That is beyond the scope of this forum.
  12. W

    Blue Cross Blue Shield International Denied Claim based on Non-existent Codes

    We have a Blue Cross/Blue Shield policy. (BC/BS is actually a "franchise" - they franchise the name to local independent non-profit companies in each state). On two separate occasions, my wife needed medical care in Europe (granted not as complicated as the OP with a $30,000 hospital bill). In...
  13. W

    Blue Cross Blue Shield International Denied Claim based on Non-existent Codes

    I would google "health care advocate" and your zip code. That is the best way to get information today - from the web. As far as determining their "legitimacy" that would be the same due diligence as anyone else you hire - online reviews, better business bureau, etc. Good luck.
  14. W

    Blue Cross Blue Shield International Denied Claim based on Non-existent Codes

    I am sorry that you have had such a rough time with this. I cannot answer why BC paid some and not others. I cannot explain how BC puts the onus on you to get these codes. You would ahve to ask them, but that would not get you any further in your goal to get paid. I tried to give a suggestion...
  15. W

    Blue Cross Blue Shield International Denied Claim based on Non-existent Codes

    I can tell you what I know from personal experience dealing with an overseas bill and also as a doctor. Every single line of a bill in the US has to have a diagnosis and a procedure. The diagnosis is an official ICD-10 code. No insurance pays any bill without it, and never did, since at least...