Never buy from india , Bad experience

My mother fell sick when she was in US last year. She had purchased health insurance from Mercury India.
She was admitted to Kaiser Hospital in San Jose. They sent us a bill for 26,000$.

We called up the Mercury office In Delhi and came to know that the England branch takes care of all these issues.Initailly the hospital and the Insurance office did "not receive" papers/wanted documents etc.
So we kept sending faxes to both the places ..and they got all the docs.

Then Mercury agreed to setle with Kaiser. The quote sent by mercury was not accepted by Kaiser. This was done 10 weeks back.

After that when ever we call Mercury they give us lame excuses that the boss is out/fax machine not working/was on PTO/money has not come from India etc and they have not resolved the issue. In the mean time we kept getting bills from the hospital and now we get a notice saying that if the money is not paid they will transfer us to a third party collection agency.

what should i do ??

What I can suggest you is to talk to the hospital, that you cannot afford to pay the entire sum. Ask them for a payment in installments. I have heard of people able to get 20-30 year installment options. Once this is settled, pay them the monthly instalments. This will give you some breathing room, so that the hospital does not call a collection agency. In the meantime, keep calling the insurance agency. They are bound to pay up, do not give up. Threaten them with legal action if they fail to pay up.

All the best to you. hope this nightmare ends for you soon.

sertra2002

I had the same problem when my mother came and the insurance i used was American International Gp. of companies in USA.They might not give me the claim i am not sure.So when i called the Billing office they said you are not responsible for your mother and i asked them for some discount if they can give,then they said that first let the insurance refuse the claim and then they can send me papers to have discount.Also ,she said it is not sure if you will get reduction but as Your mother is elderly and unemployed there are chances that you may be selected not to pay for it.Here,they don't consider you responsible for your mother.You can try for it.It's real great agony to pay this amount.Let me know if it helps.