Does filing a complaint with the insurance commissioner do any good?

What insurance laws or rules is the insurance commissioner supposed to enforce?

What is an example of an insurer that does not respond promptly to a policy question?

When is it a violation of the law when an insurer delays a claims investigation?

Is it a violation of the law for an insurer to tell a patient why they have denied payment?

Is it a violation of the law for an insurer to misrepresent the patient’s benefits?

Is it a violation of the law for the insurer not to provide claim forms?

Is it a violation of the law for an insurer to continuously deny liability for a claim?

If a patient has first party coverage, must an insurer offer to settle their claim?

Is it a violation of the law for an insurer does not tell an insured about their appeals process?

Must an insurance company offer their insureds arbitration?

Is an insurer required to have enough staff to handle claims on a timely basis?

Can in insurer use leverage on one claim to get a patient to settle on another?

Is it a violation of the law if an insurer refuses to investigate a claim?

Is an insurance company required to settle a claim for which they are liable?

Why doesn’t the insurance commissioner more aggressively defend patients that are taken advantage of by their insurance companies?

How much may we charge to attorneys that request our records?

Does a separate charge apply to each record request?

Is it a violation of the law for an insurer to make a person take them to court to get a fair settlement?

What information must an attorney give me with their request for a copy of the patient’s records?

Am I better off joining a bad managed care plan just to get “my foot in the door”?

When a managed care plan adds providers, must they accept those that applied first?

Must managed care companies have female doctors on their panels?

Does a managed care company have different agreements?

Under what circumstances may a physical therapist bill using a chiropractor’s provider number?

Can an insurer bundle your xray codes when you bill them separately?

Can an insurer change the adjustment code billed by the provider?

Can an insurer make multiple requests for records?

May we require an insurer to fax us with their documentation requests?

How do I deal with insurers who give me inaccurate information?

Can we bill if our doctor does not keep clinical records?

Does a patient have the right to continue their insurance when they leave a job?

May I continue COBRA if I am hired by a new employer?

When must an insurer notify an insured about their continuation of coverage rights?

How long does a terminated employee have to make a decision about continuing group coverage or converting to an individual policy?

Are continuation or conversion rights available if a group policy terminates because a chiropractor goes out of business?

What happens if we change insurance companies or change our benefits while an exemployee is on continuation?

Must we provide employees with notice if we change insurers?

What is a “closed panel” plan?

Must a managed care company hire a certain number of chiropractors in each area?

What is a “defined network plan”?

What is a “health maintenance organization (HMO)”?

What is an “individual practice association (IPA)”?

What is a “limited service health organizations (LSHO)”?

What is a “managed care plan”?

What is an “open panel” plan?

What is the best way for a patient to get a rider removed from their insurance policy?

What is a preferred provider plan (PPP)”?

What is “coinsurance”?

What is a “copayment”?

What is a “deductible”?

What is the “Health Insurance Risk-Sharing Plan (HIRSP)”?

Must we accept HIRSP’s automatic fee discount?

Must we offer health coverage to all employees?

What HMOs operate throughout Wisconsin?

Why do “No Out of Pocket Expense” (NOOPE) deals violate insurance contracts?

Why do some insurance companies send EOBs to the patient and not to the doctor?

Is it a good idea to send a copy of my doctor’s documentation along with the claim?

Can I make the insurance company look for the records I know they received?

What do you do when an insurance company always loses your records?

Can an insurer reject a claim with records?

Can I request a specific customer service person to help me with a claim problem?

What information is an insurance company supposed to provide when it rejects a claim?

What should I tell patients when their EOB states their care not “medically necessary?

What is a “reasonable explanation” when an insurer denies payment?

What should we do when an EOB says the care was “not medically necessary?

What really works to get our doctor to fill out reports for insurance companies?

Why are accurate files important?

How long does it take to review records?

How many reports can an insurer make me write?

Do I have any options when I have exhausted a self-insured employer’s appeals?

Should records be sent certified mail?

Can an insurance company require a certain style of documentation?

Does an insurer have to give a copy of the IME to the doctor?

Is a doctor required to file an insurance claim for a patient?

Does an insurance company have to honor my lien?

Why are personal injury claims more difficult to collect than group health claims?

What steps can I follow to decrease my problems with collecting personal injury claims?

Why do some insurance companies insist on giving information only to the patient?

How long does an insurance company have to pay a claim?

On September 1, 2001 the law changed regarding how long an insurance company has to pay a claim. What are the new requirements?

What can we do if an insurer is late paying a claim?

What is an HMO?

What is a PPO?

What is an IPA?

What are the different types of review that can be done on a chiropractor’s claim?

What is a concurrent review?

What are retrospective reviews?

How long must we keep our records?

What is the correct method for disposing of records?

What is a self insured plan?

What company is likely to be self insured?

Does HIPAA limit what can be sent to an insurance company?

Can my patient decide they do not want me to send records to an insurer?

Do I send patient records to anyone who requests them?

What are the complications for me if my patients file their own insurance claims?

How can eliminating direct contact with insurance companies with a cash practice improve the quality of care I offer to patients?

Do cash patients expected to be treated differently than those that have insurance?

Can a doctor offer a plan in which the patient makes a monthly payment and an individual or a family receives unlimited chiropractic care?

Can a doctor offer lower prices to patients without insurance who cannot immediately pay for their services?

Can insurance companies arbitrarily determine UCR rates?

If I delay my billing will insurers pay for more of my care?

Can we waive co-pays or deductibles to be competitive?

We have patients that do not have insurance. May we offer them a discount?

Can we compensate for low prices by using higher level E/M or CPT codes?

Where did the concept of Usual, Customary and Reasonable Payment (UCR) come from?

Can I give the patient a receipt for “list price” when they received a discount?

How do we know if an insurer calculated UCR correctly?

How do we challenge a UCR decision?

If I deposit the check the doctor receives from the insurance company, are we giving up our right to fight the reduction of our charges?

Can we balance bill the patient for the amount the insurance company reduced our fee?

May we question the age of the data used by an insurer to calculate UCR?