Monday, July 16, 2018

Medical insurance

I mailed forms to our medical insurance company on January 2nd with a copy of the death certificate. He had a policy through the school he worked at with additional benefits added. we paid a few dollars a month to have a death benefit added. I received a check for the life insurance portion and for two of the additional packages that we had added to each of our insurances. I received payment almost immediately and deposited at my local bank. Because of the amount of two of the checks the bank did have to put a hold on them for 3 days.

This was a piece of information I had not expected at all. I didn't realize that banks had to hold checks of a certain amount for a certain length of time.

Because I'm the primary holder of the insurance I also contacted them about my information. I do have a death benefit listed I needed to reply to them with a death certificate. I received a small check from my insurance. My advice is to spend the extra $3, $4 or $7 a month and add extra packages. The amount we received far exceeded the amount we had spent.

Steve had to be brought to the hospital from our house and I received a bill from our hospital towards the end of January. It said I was responsible for the entire amount as Steve was not on my insurance at the time of billing.

I then contacted someone at member services and they told me that because he was alive the day he used that service that the insurance company would cover the cost. We had already met our deductible for the year and so there would be no cost to me. It was paid in full in the middle of February.

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