My mother (64 y/o) recently suffered a major brain bleed, and is expected to be in the ICU for at least a few weeks, with a total of 1-2 months in the hospital. She had brain surgery, and she may recover, or she may die. She has insurance (retired teacher), and my father planned to continue working for a few more years. He's somewhat financially literate, but is the type of person to just pay a bill and accept responsibility for things that he sometimes shouldn't. He's extremely agreeable, and often does anything he's asked, even if it costs him financially. He's never been a scam victim or anything, he's just a very selfless person with no stomach for negotiation. He's also in a state of semi-shock. I work in contracts and finance, and am extremely aggressive about protecting our families assets. Her insurance company (Signa) has a history of extremely shady behavior. From what we've seen, they deny 100% of claims, and only cover after your resubmit. They also have a history of repeatedly denying her routine claims, requiring intervention from teachers union policy administrators, threat of lawsuit, and manual overrides to get claims for office visits and prescriptions approved. Our relationship with them is hostile at best.
I'm trying to assess: 1) what type of financial liability are we looking at?
2) what steps should we take now to protect our families assets?
3) is there any risk of the insurance company or hospital taking advantage of my dads kind and agreeable nature?
4) what should we do when bills start coming in?
5) how can I get a firm understanding of my mothers health insurance coverage?
6) any tips for dealing with Signa?
Thanks for your help /pf/
Submitted September 20, 2017 at 09:11AM by DLRoyalMcPoyle http://ift.tt/2ypdE6h
