Will health insurance cover this?
19 May 2017, 09:01 PM
I didn't know I had no insurance when I went to the ER in 2016, but I got a bill for $3000 for it the other day. The statement date is May 2017, so I was wondering if the insurance I have now would cover any of it? I don't think it will because the service was a year ago, but I gave them my current... show more I didn't know I had no insurance when I went to the ER in 2016, but I got a bill for $3000 for it the other day. The statement date is May 2017, so I was wondering if the insurance I have now would cover any of it? I don't think it will because the service was a year ago, but I gave them my current insurance as a last ditch effort. I can't pay it, so I'm not sure what to do.  
Answer
Votes: 110

NO, since the 1st thing your insurance will see is the (date of service) which will show MM/DD/2016.

Contact the hospital and ask for a payment plan. Some may allow you to pay back (same amount) of payments for 6 months to a year. Or, if you can say for instance pay today $1,500 (1/2) they may accept that and close it out.

Next time you think you need medical treatment, (instead) of going to the ER, consider an urgent care or immediate care clinic, since odds are the cost for the treatment you received could have been $1,000 or less.
Meta Analysis
A long question with some complicated concepts. The question deals with monetary issues, but the question tone is natural. The question isn't very well explained, but well formed.
A long answer and insightful. focuses around money, and the tone is tentative. The answer isn't very clear, and quite hard to understand.
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