Just another stress I didn't need!

Discussion in 'Dog Chat' started by lozzibear, Jun 3, 2013.

  1. lozzibear

    lozzibear PetForums VIP

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    Thanks everyone... I will call the insurance company tomorrow to ask about the pre-authorisation... and then call the specialist to ask if they will accept that. I also want to ask them what the procedure will be, like I expect for them to do a consultation with him and then decide where we go from there, and if any more tests are needed. At least that way I can get him seen and pay the consultation and then worry about the other money after I know what is happening... So, I want to make sure and check all of that.

    Mine are insured with More Than too, and they have been dealing with the vet already... it just seems to be the specialist that is the problem.
     
  2. Sled dog hotel

    Sled dog hotel PetForums VIP

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    Initially when I went it was just a consultation and ortho examination usually the vet sends across the notes and any xrays etc he has done so far. The specialist should examine him watch him walk and have a look at the previous stuff. They should then tell you how they will proceed or what diagnostics they think should be done. I then had to take him back for a scan etc. if they havent or dont tell you to starve from the night before you go, then likely they are not initially planning to do anything except the consultation at first anyway.

    Kobi was with More than when he went and they coughed up. Although as said I too had to pay up front and claim it back. Check your docs too, as I think (although Kobis not with them anymore) you do have to pay the first 10% of any vet bills as well as the excess regardless of age. Im pretty sure too although not 100% so check your insurance stuff and terms and conditions that if the procedures come to more than a £1000 you might have to contact them for pre authorisation anyway somewhere in the back of my mind I think I possibly remember seeing that too.
     
  3. Malmum

    Malmum PetForums VIP

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    Fitzpatrick Referrals deal directly with the insurer, they do charge a £25 admin fee though. All I had to pay for each of Flynns ops was the £65 excess and the £25, the rest FR claimed direct.

    Seems ridiculous that this specialists are asking for up front payment, I mean an MRI (if needed) will cost over £1,000. Is there any way you can be referred to FR in Surrey? Everyone on the hip replacement diary had direct claims because the surgery was so expensive. A couple weren't insured but that is by the by.

    As if you haven't got enough problems. :(

    Flynns surgeries cost almost £6,000 each and if I'd had to pay up front I couldn't have had them done. No credit card here I'm afraid and you shouldn't need one if you have insurance IMO.
     
    #13 Malmum, Jun 3, 2013
    Last edited: Jun 4, 2013
  4. Paula07

    Paula07 PetForums VIP

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    I don't have any advise just wanted to say i hope things start looking up soon.
     
  5. Malmum

    Malmum PetForums VIP

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    Just seen you're in Scotland so Surrey is def out if the question.

    John Ferguson at East Neuk Clinic is wonderful and a very compassionate man. If you're going there I'm sure he'd understand. A friend had two hip replacements on her Bernese and John kept him for longer because the weather was bad and he didnt want them getting stuck in the snow. He was willing to keep Ollie for as long as they wanted because they were three hours away and he comes highly recommended. But the I don't know Scotland or if you are anywhere near Fife.
    East Neuk Veterinary Clinic
     
  6. lozzibear

    lozzibear PetForums VIP

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    Yeah, I am hoping it will just be a consultation to begin with... or at least, I hope so if I need to pay! I will call them tomorrow to ask.

    Yeah, More Than have the 10% thing but I think they are great... I have never had a problem with them paying out (I have claimed with Jake before).

    Thank you :)

    Haha, yep Surrey is definitely out of the question! :D I just think it is so stupid... there is a reason why people have insurance! It infuriates me! I know someone else whose dog had TPLO at East Neuk and she said they were the same - wouldn't deal with the insurance. She had to take out a credit card, and pay on that until the insurance paid out. I am thinking I might need to go down the credit card route... OH has offered me some money but I would rather not take it... at least I know it is there though, should I need!

    East Neuk is about an hour and a half away from me.
     
  7. Malmum

    Malmum PetForums VIP

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    I know Ollie wasn't insured for two hips and they had to pay for the second so don't know how they got on with the first. I'll ask her cos she's on my Facebook friends and we chat often.

    I too find it ridiculous they won't deal direct, all they have to do is phone the insurer to make sure the claim will be covered and they'd know they'll get paid. Surely paying up front may mean some people wouldn't be able to afford their services and that can't be good for business. I'd phone the referral clinic and lay it on that you may not be able to visit them as you don't have money for treatment up front (even if you do) just to see if they'll consider a direct claim in certain circumstances. Speak to the practice manager.

    I must be lucky because even my usual vet claims direct and just takes the excess yet I rarely ever use them. Perhaps they are more cautious in your neck of the woods, can't see why though with insurance as a guarantee.
     
    #17 Malmum, Jun 4, 2013
    Last edited: Jun 4, 2013
  8. lozzibear

    lozzibear PetForums VIP

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    Yep, it is the height of ridiculousness IMO. The usual vet has no problem dealing directly with the insurance company, so I know the insurance company will deal directly with the vet, and More Than paid out really fast. I will call the specialist in the morning, and find out if they will accept the pre-authorisation... I just hope they do! I don't want to take out a credit card... It mustn't be good for business... there aren't many people who can afford high bills like that, and just wait until they are paid the money back! My dad might help, but I don't particularly want to ask him after all the money he has loaned me recently... and he is going into hospital tomorrow to get a tube fitted for dialysis so he will be in hospital for 3 days so I don't want to unload this on him as well!
     
  9. Malmum

    Malmum PetForums VIP

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    Good luck and make sure you speak to the practice manager and not the reception staff who have no real say as to whether an exception can be made. Hopefully they'll see sense and not want to risk losing custom. ;)

    Good luck for your dad too, so much worry on your plate at the mo. Hugs from here to both of you. xx
     
  10. lozzibear

    lozzibear PetForums VIP

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    Result!! :D

    I spoke to Jake's vet, insurance company and the specialist and have arranged to do the pre-authorised! Yey! :D I feel it is a stress taken off me now, although today was stressful... calling all of them, some back and forth, and it made me late for work! The only thing is that I need to pay for the consultation fee (£132), before the pre-authorisation form is sent away... BUT he has his appointment on Monday, which I am relieved about since I was panicking about it yesterday!

    Now, the next worry is the appointment and finding out what is wrong! :rolleyes: :D
     

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