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Do Any Of You Have Long Term Care Insurance, And If So, Do You Have Any Experience With The EB04 Form? My Ins. Carrier Is Asking For That?

A myALZteam Member asked a question 💭
Philadelphia, MS

My husband is on Hospice, but I will soon need to hire sitters on a regular basis, but I'm having a hard time activating the State Farm insurance that we are continuing to pay almost $2000 per year! They keep requesting "form EB04", which nobody has ever heard of! I'm so tired of trying to figure this out! Our hospice has sent them every possible form available.

April 27
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A myALZteam Member

@A myALZteam Member: Don't send any letters out just yet. See what happens with Monday's phone call to State Farm: it may just be a miscommunication or just a mispronunciation regarding the form number: UB-04 sounding like EB-04.
For now, they get the benefit of the doubt. But if they insist it's an EB-04, then dig in and push. They'd better be able to send you one, pronto.

April 27
A myALZteam Member

Thank yoy, Helen! You are so very knowlegable on the insurance side of the equation! I will get back with the State Farm Claims agent on Monday and exercize some of my new-found information. In the meantime, I am drafting my letter to the Insurance Commissioner.

April 27
A myALZteam Member

@A myALZteam Member: I have zero patience for this kind of response from an insurance company, especially in light of the fact that you're 83 and your husband is on Hospice.

Before I get started, a little background: I'm a retired Risk Manager and my career also included being an Underwriting Manager and Chief Underwriting Officer. I spent 40+ years in the insurance business and for 19 of those years, I also taught insurance courses at a University, as an Adjunct.
Now for my advice:

1) Call your State Farm Agent, or State Farm Claim Representative (whichever one you've been dealing with) and ask them if they mean a UB-04 Medical Billing Form (which is also known as the CMS-1450 form, and your Hospice provider should be familiar with those numbers).

2) If State Farm says no, and tells you once again that they want an EB-04 form, then tell them that THEY need to send you a blank copy of it, because no one else seems to know what that is, and with a spouse on Hospice, this has now become very upsetting.
If they don't say they're mailing it right away, scare them:
● Say that your husband is on Hospice, for heaven's sake, and you need help. You have learned that they have a "Duty to Act in Good Faith" and asking for a form but not sending it to you doesn't feel like very "Good Faith in Claims Handling". (Use those specific words.)
● Tell them that if they don't help you to get this claim processed quickly, you CAN and WILL call the Mississippi Insurance Department in Jackson, to complain.

3) Just in case you need to go there, here's the link:
https://www.mid.ms.gov/consumers/consumers.aspx

Good luck to you. Please let me know how you make out.

Mississippi Insurance Department - Consumers
Mississippi Insurance Department - Consumers
April 27 (edited)
A myALZteam Member

Thanks again! Yes, I may have written it wrong in my notes.

April 28

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