More details to this question:
Lat year I had a lot of dental work done. Total cost was to be about $3,000 and I was told my dental insurance would cover $950. I had the work done and paid the bill in full. Then a month later my dental insurance (MetLife) rejected the claim and only paid $115.00 leaving me with a balance due of $840.00
My dentist didn''t even suggest this could happen or that there was any risk of it possibly happening. I was basically told that my insurance would cover this much and how much I''d be responsible for and I made my decision to have the work done based upon that information. And I paid my part in full.
As a result of doing the dental work in the first place I don''t have much money left, let alone $840. If I had known it was even a possibility I would have waited and probably decided NOT to do it. I really feel like I''m being taken advantage of by both my dentist and dental insurance provider. Seems like one hell of a scam to tell people they are covered say they are not then collect.
1 ANSWER
Yes, you are responsible for the balance. When you received the dental services, you most likely signed a piece of paper stating that you agree to pay any amount not covered by insurance. So, while you will have to pay the dentist, if you feel the insurance company denied your claim improperly, you could sue the insurance company from breach of contract and/or bad faith.
Answered on Feb 09th, 2012 at 12:43 PM