Tip #3: Watch for that K&K claim letter to arrive within 2-3 weeks. If you have not gotten it, call them.
Now that you’re armed with that letter and claim number from K&K, you’re ready. When you get a bill from the hospital/doc/facilities/whatever, look for their billing department info and call them. Be all nice and sweet, get them to look up your account info. Let them know you have event secondary insurance and ask them to please submit the balance claim to K&K. They’ll ask you for K&K’s info (company name, address, phone number, and your claim number — it’s on that claim letter.) 100% of the billing departments I spoke to about these balance charges are well-versed in the process and were incredibly helpful in redirecting those to K&K (be nice to them, they deal with a lot of rude people all day).
Tip #4: When the bills arrive, call the biller and ask to submit the claim to K&K
Here’s a “Don’t Do”. Initially, when those bills arrived I decided to pay those charges with my credit card, expecting to be reimbursed by K&K. Reason was, I (needlessly) worried that the secondary billing process with K&K might get delayed and maybe mess up my credit report. Totally wrong. When I submitted these credit card-paid reimbursements to K&K I got back a rejection letter from them, asking me to resubmit the claim with “the UB04 or CMS1500 billing form”. So what is that, you ask? I have no clue. So I called the hospital’s billing department and asked for that so I could send it to K&K; they replied with something along the lines of “oh, we can’t provide that to you, that’s for the insurance companies.”
But, all was not lost! For each of the ones that I paid myself (it was only the first couple of bills) I contacted the billers and asked them to resubmit those to K&K. They were all totally OK with that, and once the claims were approved by K&K then K&K actually sent me refund checks.
So Tip #5: don’t do that. Instead, follow Tip #4 and just redirect the billing facilities to submit the balance claims to K&K. I did that with all the remaining bills and K&K paid all of them, 100%. And each time they paid a balance I got a letter from them confirming and showing “Patient Not Responsible.”
OK, so what if I don’t have primary insurance?
Well, things may get sticky if you don’t have primary insurance. From my experience at the two hospitals I visited after the crash (I went to another emergency department the next morning to check up on some symptoms), plus a local doc and physical therapy, one of the first things each asked me for upon arrival was my insurance information. You won’t have your K&K claim number for at least a few days (K&K will generate it as soon as they get the reports), so what do you do?
Well, this is purely conjecture on my part, but as I see it your goal is to get cared for and get out of that facility without having to dig into your pockets. Maybe show the facility your K&K claim form and explain to them you are covered by event insurance but you won’t have a claim number for about a week or two. Maybe talk the good talk and be nice and sweet about it and they’ll let you out of the facility without having to post any financial coverage. Maybe you’ll give them a credit card number but get their promise they won’t bill it right away. Maybe talk to their financing group to work out some payment terms to buy some time for them to deal with K&K after.
But whatever you do, your goal here is to avoid having to pay anything out of pocket, because though you will eventually get reimbursed by K&K it will be a more work (see my “UB04 or CMS1500 billing form” discussion above). If there’s any way that you can convince them that you are not a deadbeat and that you have event insurance and will have claim information within the next 5-10 business days (and you can always call K&K in 3-5 biz days to ask for that claim number) then all the better.