Insurance question

[AG33]

Hi, first time Disney cruiser with kids. Of course as a mom all the thoughts and scenarios go through my head.
I purchased insurance through DCL but am curious to know how this works if we medically need to visit the on board Dr.
Do I automatically pay out of pocket and file the claim when I get home ? And when I file is it through my own insurance and my travel insurance ?
TIA

 

[sanders3]

They charge your account on board. To submit a claim through disneys travel insurance, you have to first submit it to your health insurance and have it denied for payment/a determination of what your health insurance will pay if anything. This can be a giant PITA depending on your insurance because the paperwork the shipboard doctor gives you will no doubt be lacking one or more pieces possibly required by your insurance to even submit a claim. And if you manage to actually submit it anyway, rejection by your health insurance company before processing for this lacking information will be insufficient because it’s not technically a denial of payment (or a determination you owe X amount). Leading Disney’s insurance to refuse to accept it as proof that your insurance won’t pay. Also insufficient is any proof you can gather that your insurance would not pay an out of network claim due to your deductible and/or won’t pay for medical care outside the us so it’s clear the charge isn’t covered even if they would allow you to submit it for processing. Because it’s not a denial/determination they won’t pay on that precise claim. On the upside, if after several months, you are still tearing your hair out and going in circles, Disney might agree to credit you the charge, when you seek assistance and note in part you were only trying to comply with their health directives re vomiting even though it was clearly just a seasick kid who ate too much pizza, and this headache of a process with their insurance certainly does nothing to encourage compliance with measures to identify and prevent spread of fun things like norovirus or whatever. YMMV depending on how infuriating your health insurance and the company that does Disney’s decides to be. Likely to be much smoother if your health insurance company is easier to work with - I suspect if they’d just processed it and denied any payment, submission and processing on the Disney insurance side would’ve been easy. But Disney’s insurance is secondary, so they only pay what your regular health insurance won’t.

 

[PrincessShmoo]

Hi, first time Disney cruiser with kids. Of course as a mom all the thoughts and scenarios go through my head.
I purchased insurance through DCL but am curious to know how this works if we medically need to visit the on board Dr.
Do I automatically pay out of pocket and file the claim when I get home ? And when I file is it through my own insurance and my travel insurance ?
TIA

Most insurance plans will require you to pay upfront for medical services (generally charged to your onboard account). Then you file through your own insurance once you get home. Usually your personal insurance will deny claim. Then you submit to the travel insurance company for repayment.

 

[AG33]

They charge your account on board. To submit a claim through disneys travel insurance, you have to first submit it to your health insurance and have it denied for payment/a determination of what your health insurance will pay if anything. This can be a giant PITA depending on your insurance because the paperwork the shipboard doctor gives you will no doubt be lacking one or more pieces possibly required by your insurance to even submit a claim. And if you manage to actually submit it anyway, rejection by your health insurance company before processing for this lacking information will be insufficient because it’s not technically a denial of payment (or a determination you owe X amount). Leading Disney’s insurance to refuse to accept it as proof that your insurance won’t pay. Also insufficient is any proof you can gather that your insurance would not pay an out of network claim due to your deductible and/or won’t pay for medical care outside the us so it’s clear the charge isn’t covered even if they would allow you to submit it for processing. Because it’s not a denial/determination they won’t pay on that precise claim. On the upside, if after several months, you are still tearing your hair out and going in circles, Disney might agree to credit you the charge, when you seek assistance and note in part you were only trying to comply with their health directives re vomiting even though it was clearly just a seasick kid who ate too much pizza, and this headache of a process with their insurance certainly does nothing to encourage compliance with measures to identify and prevent spread of fun things like norovirus or whatever. YMMV depending on how infuriating your health insurance and the company that does Disney’s decides to be. Likely to be much smoother if your health insurance company is easier to work with - I suspect if they’d just processed it and denied any payment, submission and processing on the Disney insurance side would’ve been easy. But Disney’s insurance is secondary, so they only pay what your regular health insurance won’t.

Thank You for the reply. I appreciate your response. Hoping to not have to use it but just want to know in advance and cover all my bases.