保持无害程序

“保持无害”计划是皇冠搏彩中心网站福利计划的一部分. It protects beneficiaries from having to pay balances on medical claims that were denied because of the Funds’ payment level or because the service was not medically necessary. 受益人负责支付共付费用和未涵盖的服务.

与皇冠搏彩中心网站呼叫中心联系 1-800-291-1425, as soon as you receive a balance bill, collection notice, credit denial or legal action. 皇冠搏彩中心网站将需要审查发送给您的所有信息. 各皇冠搏彩中心网站将审查余额 and let you know if the denied amount is protected by the 保持无害程序 or if you need to pay for a copayment or a charge for a non-covered service.

The following information will explain the different types of notices you may receive regarding a balance, 以及皇冠搏彩中心网站和“保持无害”计划将如何帮助你.

平衡账单

This type of notice is usually from the provider and shows the current balance amount. Most providers send this out automatically and it may be sent to you before the Funds pays the claim.

• Do not pay a provider for more than your office copayment or inpatient hospital copayment.
• 请联系皇冠搏彩中心网站呼叫中心寻求结余账单的帮助.
• 的资金 will inform you of the claim payment status or if there are any copayments or non-covered charges in the balance that you need to pay.

收集的通知

这种类型的通知可能来自供应商，催收机构或律师事务所. The notice will inform you of a balance that is owed and may tell you that the amount must be paid within a certain time period.

• 请立即与皇冠搏彩中心网站呼叫中心联系，以便皇冠搏彩中心网站查看余额.
• If the balance was denied because of the Funds payment level or because the service was not medically necessary, you will need to sign and return a letter to the Funds authorizing the Funds to represent you regarding the collection issue.
• 的资金 will send a letter along with the signed authorization form to the collection agency stating that the Funds is formally disputing the collection account and requests that the collector contact the Funds directly regarding the collection balance.
• 的资金 will inform you if there are any copayments or non-covered charges in the balance that you need to pay.

信用报告问题

This type of notice may be sent to you if you applied for a loan or any other type of credit and the application was denied or you may find a medical account on a copy of a credit report that you request.

• Contact the Funds’ Call Center immediately if there are medical balances listed on your credit report so that the Funds can review the claims.
• 皇冠搏彩中心网站将需要您传真或发送一份信用报告副本给皇冠搏彩中心网站. 你应该圈出你希望皇冠搏彩中心网站审查的账户.
• If the balance was denied because of the Funds’ payment level or because the service was not medically necessary, 皇冠搏彩中心网站将通知贷款人或债权人余额有争议.
• 的资金 will request that the account in dispute be excluded from consideration in the credit or loan application.
• 如果余额涉及未付索赔，皇冠搏彩中心网站将与提供商合作.
• It is important for you to know that although the Funds will try to help you with a credit report problem, the Funds cannot guarantee that a credit report entry will be removed or that a loan or credit application will be approved.

采取法律行动

It is very important that you contact the Funds’ Call Center immediately if you receive any legal action involving a medical claim. 此类通知可采用认股权证的形式, 召唤, 索赔证明, 出现通知, 财产留置权, 抵税或其他所有权. 它可以亲自送达，也可以邮寄给你，并会注明法院的名称, the attorney’s name or provider’s name that filed the case and will list you and/or your spouse’s name as the Defendant. 它可能会告诉你听证会日期已经确定, 或者告诉你在某个日期之前你需要采取的其他行动.

• 的资金 must receive notices of legal actions promptly and before any date in which a response or a court appearance is required.
• 您需要将收到的法律诉讼的所有页面传真或发送给皇冠搏彩中心网站.
• 各皇冠搏彩中心网站将审查余额. If the balance was denied because of the Funds’ fee level or because the service was not medically necessary, the Funds will provide a legal defense for you and handle the case on your behalf until it is resolved.
• You will be required to sign and return a consent form authorizing the Funds to act on your behalf and to retain an attorney if needed to defend the case.
• You will not be responsible for any legal or other expenses involved to defend the case.
• 如果余额涉及未付索赔，皇冠搏彩中心网站将与提供商合作.
• You will be responsible for any charges that are identified as copayments or non-covered charges.
• It is important for you to understand that the Funds cannot prevent legal action from appearing on your credit report.