Silvia Perez Insurance & Financial
It may be difficult for you to receive your medical insurance claim because there can be technical errors. Data entry errors and other similar errors are something beyond your control. However, some things can speed up the health insurance claims process.
Carry Your Latest Health Insurance Card
Throw the old insurance card right away as soon as you receive your new health insurance card. If you accidentally give out your old insurance card when you file a claim, you will risk not receiving the claim. When they enter incorrect information into the computer system of your insurance provider, the false information will translate as a claim denial.
Answer All Your Insurer’s Questions
Never blow off any inquiry. Your insurer can ask you questions like whether you have another type of insurance. They may also ask you if you’ve had this or that particular type of injury. In that case, answer them honestly. Never tell lies that your insurer’s research will only expose anyway. Any inaccurate information from you may not entitle you to the health insurance claim anymore.
Ask About Expenses and Authorization
When it comes to handling out-of-pocket expenses, ask your insurer how much you have to spend. It’s much easier to negotiate before they provide the service than after it. Also, check whether your insurance provider requires prior authorization before you get yourself into any medical procedure. More importantly, make sure you complete the authorization before you proceed to the procedure.
Never Make Assumptions About Coverage
Never assume that your health insurance covers any particular service. Always double-check with the fine print on your insurance policy. Federal health care always requires all health insurance plans to provide coverage for preventive services. However, be responsible enough to ask your insurer which particular services entitles you to full coverage as well as all the exceptions.
File an Appeal
In case they deny your health insurance claim, you always have the right to file an appeal. There are usual denials because there are misunderstandings, not to mention technical mishaps. Call the insurance company and inquire about the formal procedure for the appeal. You should know to whom you should send the letter and what specific details it must contain.
Some Final Words
You are entitled to your own coverage. If you believe that you deserve to file a health insurance claim, then go ahead and file it. However, make sure that you follow these tips in order to help you get paid fast. Follow the right procedure, and you'll never go wrong with it.
At Silvia Perez Insurance & Financial Solutions, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (831) 524-8411 or Click Here to request a free quote.