Curious what you think?

[JessicaR]

It's free cause they didn't bill anybody. Dear lord, why are you being difficult with me?? What did I do??? This may be the first time somebody is being argumentative with me for being happy for them.

I'm so not being difficult with you. I'm just trying to make sense of the situation.

 

[HeatherH]

I'm not following this whole line of thought here.

The cruise ship will NOT BILL YOUR INSURANCE, period, they do not do that.

If they did not give you any sort of bill, then my guess is that they are assuming they were at fault somehow, and the free treatment was a gesture of goodwill. (See my previous post.)

Again, this is NOT ODD for a cruise line medical facility, they do not always bill the passenger for services.

And honestly, some medical insurance policies won't even cover you for what happens on a ship. Travel insurance will usually pick up what your personal medical won't cover if you have all the documentation and your policy covers medical expenses.

Regardless, as the parent of a 17-year-old myself...I hope your son recovers well and there is no scar from the accident.

 

[JessicaR]

It's free cause they didn't bill anybody. Dear lord, why are you being difficult with me?? What did I do??? This may be the first time somebody is being argumentative with me for being happy for them.

And for the record, you have said this before to others but I do still love your opinions and stances. Truly!

 

[C.Ann]

Ohhh so I was saved paperwork. The paperwork I filled out prior to them treating him?

No - the paperwork you would have received from your own health ins. company when they received the claim, denied it, and wanted the info from when and where it happened; who their carrier was; etc.. Regardless of the paperwork prior to treating him, you would have received additional paperwork later..

 

[Jennasis]

And for the record, you have said this before to others but I do still love your opinions and stances. Truly!

I love you too! And I AM happy that your son is okay (and that you don't have to deal with insurance or billing or any of that!).

 

[JessicaR]

I'm not following this whole line of thought here.

The cruise ship will NOT BILL YOUR INSURANCE, period, they do not do that.

If they did not give you any sort of bill, then my guess is that they are assuming they were at fault somehow, and the free treatment was a gesture of goodwill. (See my previous post.)

Again, this is NOT ODD for a cruise line medical facility, they do not always bill the passenger for services.

And honestly, some medical insurance policies won't even cover you for what happens on a ship. Travel insurance will usually pick up what your personal medical won't cover if you have all the documentation and your policy covers medical expenses.

Regardless, as the parent of a 17-year-old myself...I hope your son recovers well and there is no scar from the accident.

Heather, not arguing with you honestly. My sister was billed by Carnival last year so this isnt exactly true. My son has recovered and he is fine! Thank you. Just truly wondered why they wanted NO info from me. That was all.

 

[JessicaR]

No - the paperwork you would have received from your own health ins. company when they received the claim, denied it, and wanted the info from when and where it happened; who their carrier was; etc.. Regardless of the paperwork prior to treating him, you would have received additional paperwork later..[/QUOTE

What makes you think it would have been denied?

 

[Jennasis]

No - the paperwork you would have received from your own health ins. company when they received the claim, denied it, and wanted the info from when and where it happened; who their carrier was; etc.. Regardless of the paperwork prior to treating him, you would have received additional paperwork later..[/QUOTE

What makes you think it would have been denied?

Seems like how insurance companies roll sometimes, doesn't it? Deny Deny Deny! Maddening actually. I have been pretty fortunate with our carrier to have not been denied anything I submitted but I hear horror stories all the time. This might be one of those opportunities they'd seize to stick the bill to someone else (like the cruise ship or even you...). Man I hate the insurance companies.

Is there a possibility they could still send you a bill? That'd suck, big time. Thinking everything is copacetic and BAM, big ol' medical bill from Carnival (or whomever) shows up.

 

[JessicaR]

Seems like how insurance companies roll sometimes, doesn't it? Deny Deny Deny! Maddening actually. I have been pretty fortunate with our carrier to have not been denied anything I submitted but I hear horror stories all the time. This might be one of those opportunities they'd seize to stick the bill to someone else (like the cruise ship or even you...). Man I hate the insurance companies.

Is there a possibility they could still send you a bill? That'd suck, big time. Thinking everything is copacetic and BAM, big ol' medical bill from Carnival (or whomever) shows up.

I guess they roll that way and I guess I have been extremely fortunate to be denied nothing, yet far. Since they took no official info from me and told me no bill is due I wont worry unless it actually happens.

 

[battricia]

My husband and I went on a cruise in may and he got very very sick the last day of the cruise. We went to the infirmary and they did not charge us. They didn't do anything serious but I was worried that his appendix might have burst or something which is why we went. I'm guessing with your son, because it wasn't anything serious (and they didn't give him meds, since he's got so many allergies?) that they would not charge you for it. Just my guess.

 

[cm8]

We were on a cruise last week. The last night of the cruise at approximately 11P my 17 year old son tripped on his own feet in the teen club.Hit his head on the edge of the ping pong table. Initially he had no idea he was injured until another kid told him he was bleeding. Ironically my son was heading back to his cabin as I was heading to mine. I saw all the blood washed it down and headed to first aid. He had a nice gash right on the eyebrow. I figured stitches were going to be necessary.

So we walk in the "nurse"? triage's and calls the doctor. Doc says has to be stitched. The form I filled out I'm sure flipped them out because my son has many drug allergies. Nurse says over and over how did it happen. Repeatedly he tells her he tripped. Finally she says thats what they all say until they sue us!

The Dr comes in asks a million drug allergy questions (dont blame him). Numbs him up and sutures the injury. We go to leave and I hand her my medical card. Nope doesn't want it doesn't want anything from me!

Odd or no?

Maybe they were trying to avoid or acknowledge that your son actually injured himself on the cruise:, I hope that you got a copy of the report/ incident and the witness statement in case something comes about later. The nurse giving you the attitude was not necessary and I would have went off on her about her manners. Hope that you son is doing much better

 

[C.Ann]

No - the paperwork you would have received from your own health ins. company when they received the claim, denied it, and wanted the info from when and where it happened; who their carrier was; etc.. Regardless of the paperwork prior to treating him, you would have received additional paperwork later..[/QUOTE

What makes you think it would have been denied?

Because the cruise ship has to carry liability insurance - to cover injuries that occur on their "property".. That makes them responsible - regardless of the circumstances.. There is no reason for your insurance to pay the claim because the responsibility falls on the cruise ship.. It would be like a child coming into your yard, falling, and breaking their arm.. Your homeowner's ins. would be responsible for that bill - not the parents health ins.. When my DD cut the tip of her finger off at my parents home, our health insurance denied the claim simply because they knew it was the responsibility of my parents homeowner's to pay the medical bills..

Your medical insurance is not going to pay out one dime that they don't have to - and in this case, there's no reason for them to pay..

 

[JessicaR]

Maybe they were trying to avoid or acknowledge that your son actually injured himself on the cruise:, I hope that you got a copy of the report/ incident and the witness statement in case something comes about later. The nurse giving you the attitude was not necessary and I would have went off on her about her manners. Hope that you son is doing much better

This is my exact thought. After thought, but yes thought. No report, no nothing. that is what I found ODD! Its all OK because he is fine. Just my original thought that the entire incident was odd, thats all. Thanks so much, my son is fine. When we got home I took him to a plastic surgeon (at my Dr sisters insistence) to make sure it was going to heal properly. I jokingly said it adds character to a man! He really is fine though just found the initial incident a bit odd.

 

[golfgal]

Because the cruise ship has to carry liability insurance - to cover injuries that occur on their "property".. That makes them responsible - regardless of the circumstances.. There is no reason for your insurance to pay the claim because the responsibility falls on the cruise ship.. It would be like a child coming into your yard, falling, and breaking their arm.. Your homeowner's ins. would be responsible for that bill - not the parents health ins.. When my DD cut the tip of her finger off at my parents home, our health insurance denied the claim simply because they knew it was the responsibility of my parents homeowner's to pay the medical bills..

Your medical insurance is not going to pay out one dime that they don't have to - and in this case, there's no reason for them to pay..

That is not even close to true-to be liable for something you have to prove negligence-someone tripping over their own feet-we have ALL done this--is not negligent in any way shape or form. Now, if there was a loose board that he tripped over and the cruise ship knew about it and didn't repair it, THAT would be negligent and their liability insurance would pay.

 

[C.Ann]

That is not even close to true-to be liable for something you have to prove negligence-someone tripping over their own feet-we have ALL done this--is not negligent in any way shape or form. Now, if there was a loose board that he tripped over and the cruise ship knew about it and didn't repair it, THAT would be negligent and their liability insurance would pay.

Sorry, but that has not been my experience - or that of others - when injuries occur outside of the insured parents home/property.. There was no negligence when my DD injured herself at my parents home, but our health insurance denied the claim.. Same thing happened when my DGD was injured on school property several years ago - no negligence, but her parents medical insurance denied the claim and the school was required to pay all of the medical bills..

Maybe it's just where you live - seems that pretty much everything is different in your state..

 

[Acklander]

I think it's just how cruise ships operate.

Once DS had his toes crushed on the gang plank while we were waiting to get on in one of the ports. The boat was bobbing up and down and it came down on his foot. They treated it for free and didn't want any insurance info. (This was on a Disney Cruise).
Once while on Costa cruise I got the dreaded Norwalk virus. Again, I was treated and they didn't want payment.

 

[design_mom]

What makes you think it would have been denied?

I think any "accident" that doesn't occur in your own home makes insurance companies suspicious. They will want more information (more paperwork for you) to see if they can recover their expenditures from another party's insurance company. As another poster said, I think that's called "subrogation." If they deny, or threaten to deny, your claim, it makes you much more motivated to provide the extra details.

Once, I was carrying a box on a sidewalk. I tripped on a piece of cracked pavement, fell, and hurt my ankle. I cannot tell you how many calls and extra paperwork was required from the insurance company. They wanted to know exactly where I fell, what happened, whether I was coming into/out of the store that the sidewalk was in front of, etc. It was just an accident. I tripped and fell. I was clumsy. It made me seriously wish I hadn't gone to the doctor. The ankle was better before the paperwork stopped!

My guess is that most cruise ship doctors do not file medical insurance for their patients. They either charge you, or they don't. If you'd had to pay, then it would be your responsibility to file with your insurance for reimbursement.

My guess is that they assumed that this accident would be subrogated and they'd eventually end up paying anyway. Perhaps they thought it was easier just to treat the injury without billing for it, and leave the insurance companies out of it. (Kind of like people who damage their car, but pay to fix it themselves instead of filing a claim with insurance. Sometimes after paying the deductible and potentially having your rates go up, it's easier just to leave the insurance company out of it.) ETA: My DD got three stitches above her eye in March at an pediatric urgent care center. The charges were about $320. If the cruise ship, for example, has a $500 "per incident" deductible on their liability insurance, it probably wouldn't be worth it to get their insurance company (or yours, who would in turn contact theirs) involved.

 

[DipsyDoodles]

Because the cruise ship has to carry liability insurance - to cover injuries that occur on their "property".. That makes them responsible - regardless of the circumstances.. There is no reason for your insurance to pay the claim because the responsibility falls on the cruise ship.. It would be like a child coming into your yard, falling, and breaking their arm.. Your homeowner's ins. would be responsible for that bill - not the parents health ins.. When my DD cut the tip of her finger off at my parents home, our health insurance denied the claim simply because they knew it was the responsibility of my parents homeowner's to pay the medical bills..

Your medical insurance is not going to pay out one dime that they don't have to - and in this case, there's no reason for them to pay..

This doesn't sound accurate to me as well.....Say you are crossing the street or in a neighbor's yard and you trip and fall and break your ankle. The statement above would indicate that when you go to the emergency room you don't just tell them you fell and hurt your ankle, you would have to tell them exactly where that happened so insurance could be billed correctly? I've been to the emergency room for a fall such as this at my brother-in-laws house and at no time did the ER ask "where" it happened they just asked "how" it happened. Insurance claim went through fine. I do believe you statement is correct if there was some negligence on the part of the homeowner and your were injured as a result of that negligence. I can't see how a homeowner would be responsible for something that was completely out of their control....any insurance specialists out there?

 

[C.Ann]

I think any "accident" that doesn't occur in your own home makes insurance companies suspicious. They will want more information (more paperwork for you) to see if they can recover their expenditures from another party's insurance company. As another poster said, I think that's called "subrogation." If they deny, or threaten to deny, your claim, it makes you much more motivated to provide the extra details.

Once, I was carrying a box on a sidewalk. I tripped on a piece of cracked pavement, fell, and hurt my ankle. I cannot tell you how many calls and extra paperwork was required from the insurance company. They wanted to know exactly where I fell, what happened, whether I was coming into/out of the store that the sidewalk was in front of, etc. It was just an accident. I tripped and fell. I was clumsy. It made me seriously wish I hadn't gone to the doctor. The ankle was better before the paperwork stopped!

My guess is that most cruise ship doctors do not file medical insurance for their patients. They either charge you, or they don't. If you'd had to pay, then it would be your responsibility to file with your insurance for reimbursement.

My guess is that they assumed that this accident would be subrogated and they'd eventually end up paying anyway. Perhaps they thought it was easier just to treat the injury without billing for it, and leave the insurance companies out of it. (Kind of like people who damage their car, but pay to fix it themselves instead of filing a claim with insurance. Sometimes after paying the deductible and potentially having your rates go up, it's easier just to leave the insurance company out of it.) ETA: My DD got three stitches above her eye in March at an pediatric urgent care center. The charges were about $320. If the cruise ship, for example, has a $500 "per incident" deductible on their liability insurance, it probably wouldn't be worth it to get their insurance company (or yours, who would in turn contact theirs) involved.

Very well put.. No insurance company is going to pay out when there is even the remotest possibility that someone else can be held responsible.. Actually it's common sense..

 

[JessicaR]

I would just like to make it clear that I was not the correct poster quoted here. C Ann said this - not me.

Quote:
Originally Posted by JessicaR

Because the cruise ship has to carry liability insurance - to cover injuries that occur on their "property".. That makes them responsible - regardless of the circumstances.. There is no reason for your insurance to pay the claim because the responsibility falls on the cruise ship.. It would be like a child coming into your yard, falling, and breaking their arm.. Your homeowner's ins. would be responsible for that bill - not the parents health ins.. When my DD cut the tip of her finger off at my parents home, our health insurance denied the claim simply because they knew it was the responsibility of my parents homeowner's to pay the medical bills..

Your medical insurance is not going to pay out one dime that they don't have to - and in this case, there's no reason for them to pay..

This doesn't sound accurate to me as well.....Say you are crossing the street or in a neighbor's yard and you trip and fall and break your ankle. The statement above would indicate that when you go to the emergency room you don't just tell them you fell and hurt your ankle, you would have to tell them exactly where that happened so insurance could be billed correctly? I've been to the emergency room for a fall such as this at my brother-in-laws house and at no time did the ER ask "where" it happened they just asked "how" it happened. Insurance claim went through fine. I do believe you statement is correct if there was some negligence on the part of the homeowner and your were injured as a result of that negligence. I can't see how a homeowner would be responsible for something that was completely out of their control....any insurance specialists out there?


This also is not my quote -

Quote:
Originally Posted by JessicaR

Because the cruise ship has to carry liability insurance - to cover injuries that occur on their "property".. That makes them responsible - regardless of the circumstances.. There is no reason for your insurance to pay the claim because the responsibility falls on the cruise ship.. It would be like a child coming into your yard, falling, and breaking their arm.. Your homeowner's ins. would be responsible for that bill - not the parents health ins.. When my DD cut the tip of her finger off at my parents home, our health insurance denied the claim simply because they knew it was the responsibility of my parents homeowner's to pay the medical bills..

Your medical insurance is not going to pay out one dime that they don't have to - and in this case, there's no reason for them to pay..

That is not even close to true-to be liable for something you have to prove negligence-someone tripping over their own feet-we have ALL done this--is not negligent in any way shape or form. Now, if there was a loose board that he tripped over and the cruise ship knew about it and didn't repair it, THAT would be negligent and their liability insurance would pay.

Just wanted that cleared up - thanks.