Can I ask an out-of-network doctor for a discount after the insurance company sent me a check?

I have an anesthesiologist that is out-of-network sent me this letter, summary the insurance company has

denied the full amount of our claim. We want you to ask them to resubmit the claim. You are under no obligation and we will accept the amount they are willing to pay, you will not owe us any more. So I asked the insurance company to resubmit it. They did and sent me a check for the full amount. It was addressed to me, made out to me and had no mention of the doctor. Now I have to spend my valuable time, spend money for gas go to the bank, spend money on a check, envelope and stamp. Therefore, can I ask the doctor for payment in the form of a small credit and have that show on the invoice they send me.

Asked on January 3, 2019 under Insurance Law, Florida

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

You can *ask*, since anyone can ask for essentially anything, but it would be voluntary on their part to offer this to you. There is no legal obligation for them to give you a discount, and you have no way to compel them to do so. If they don't agree to give you a discount and you don't turn the money over to them, they could sue you for the cost of the services.


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