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OncehatedDIL Asked February 2023

Medicare Advantage plan trying to get homeowner's insurance to pay after fall?

Does anyone have any experience with this situation? My friend fell last spring, it was a bad fall, her shoulder broke and dislocated. She fell in her own home and everything was covered by her United Healthcare Medicare Advantage plan. This week she received a letter asking her to contact them with more details about her accident to discover if some other insurance is responsible.

JoAnn29 Feb 2023
They mean other health insurance policies. This usually happens when there are two people working and may have a policy thru work. They are just trying to make sure there is not another health insurer involved. All she has to do is write back and say she has no other health insurance other than United. Its usually a periodical thing that all insurances do. Me, every year I got a mammogram, it didn't get paid until I proved I wasn't under another insurance or I was still a dependent.

BarbBrooklyn Feb 2023
As Lea says, this is standard procedure.

You friend's homeowners policy probably wouldn't cover any part of HER injury in her home. If she had fallen in someone ELSE'S home, then that person's insurance might have liability.

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SnoopyLove Feb 2023
I would imagine that this is similar to how my dad would periodically get form letters from his insurance asking him to specify if the need for recent medical services could in fact be the result of a work-related accident. Um, no, my 80-something long-retired quadriplegic dad hadn’t just gotten hurt on the job. . .

lealonnie1 Feb 2023
This is typical, for an insurance company to ask the policyholder if this is a first or third party claim. They need to know if you've filed other claims on this same issue.


https://www.askadamskutner.com/personal-injury/first-party-vs-third-party-personal-injury-insurance-claims/
OncehatedDIL Feb 2023
Thanks for the response. So she doesn't have to worry that they are going to try to make a claim on her own homeowners?

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