I never thought too much about slip and fall until I saw the bill.
DD went to college out of state, we bought her insurance from the college.
The day before thanksgiving break, DD slipped and fell at the college cafeteria (I think she said there was water, will have to check with her to confirm), she was limping when she was home, we brought her to see a doctor in our area, her doctor is part of the network. Her doctor got some liquid removed from her knee. Recently, I received a bill from the medical facility that the service was “not eligible”, I checked her coverage and there was no mention of slip and fall. I will call both the insurance and the medical facility on Monday. I google and found out discussions on coverage under the property ownership (in this case, I assume it will be the college). It never occured to me that we needed to contact the property owner as DD has slipped and fell in the past. Has anyone have the unfortunate experience with kids slip and fall at school? how was it handled?
Hmm, my kid fell and broke her arm on campus (outside). We didn’t have the college insurance, though. We had a BCBS policy purchased through the ACA exchange in our home state with the BCBS national network. She saw an urgent care near the college, an orthopedic surgeon (no surgery needed, though), and a follow up ortho dr when she was home (since she needed a follow up and it was during a long break). There was no issue. The fact that it was a fall on campus didn’t really even come up, at least as related to the billing.
Your medical insurance should cover it and then send you a form about the accident so that they can file a subordination claim against another insurer for reimbursement. On the form you’ll tell them about the accident (slipped at the U of ____ on Nov 20 at 12:35). I just received one of these from a medical insurer who, because it was a fall, would like to bill the claim to an auto insurer, homeowner insurer, an employer, etc. Unfortunately for the health care insurer, the fall happened on the property of the insured so there will be no subordination of a claim.
Now it sounds like they thought the procedure wasn’t a covered procedure, but I don’t see why. The doctor may have coded the procedure incorrectly.
Our D had her bike hit by campus security vehicle while on campus. She went to the campus infirmary the next day. It was covered by her school fees and we never saw a bill.
Agree that perhaps the coding was incorrect. You may need to file paperwork but can’t see why her medical care wouldn’t be covered.
Two of my kids were injured during high school. Both times, I put in a claim with the school’s insurance, which covered what my insurance didn’t. I don’t know if the insurance company got the rest back from the school’s insurer and I didn’t care so long as I had no out of pocket expenses.