If the Affordable Care Act ever comes together, it could give some 44 million uninsured Americans access to health coverage. But it probably won’t stop insurance companies from mishandling one in five claims—or make it any easier to get reimbursed for medical expenses.
Could an outside service streamline the process? That’s the promise of Off Your Desk, a company that processes all your medical insurance, flexible spending and health savings account claims for you.
Off Your Desk says its clients recover $2,000 in 90 days, on average.
In theory, OYD sounds like the best sanity-saver since Ibuprofen, especially if you have a chronic ailment, an emergency hospitalization or you’re anticipating big bills (for an upcoming birth or surgery).
In practice, it means handing over your ultra-personal info to… um, whom, exactly?
Off Your Desk’s specialists are insiders, actually culled from the claims departments of insurance companies—and they’re put through background checks performed by independent firms. Off Your Desk never shares your personal information with third parties like marketers, and they return or destroy your documents when you stop using their service.
At $65 a month, the ongoing service isn’t cheap. If you just want to resolve past claims without the ongoing service, the fee is $295 (but you’re limited to 10 claims). Depending on your situation, the biggest savings could be time and stress.
photo source: glasslionstudio’s shop on etsy