Fighting a Health Insurance Claim Denial

by on August 20, 2010

Health insurance is very important and everyone must be covered by it. You never know when you may fall ill and it is very important to get insured to deal with any eventuality. Even though you may not anticipate it, sometimes your health insurance claim may be denied by your insurer. In order to deal with this, you need to be careful about the following things:

Reading Your Insurance Policy Carefully: When you are signing for an insurance policy, you must read all the terms and conditions carefully. In case you have any doubts, it is important to clear them with your insurance provider. The same will ensure that you save a lot of trouble in future by clearing all the things with your insurer initially.

Keeping A Record: It is very essential to keep a proper record of all the documents related to your health insurance claim. You must also carefully note down the date and time of any calls you may have made to your insurance provider. It is advisable to jot down the details of your conversation in a diary. This can prove very helpful when you discuss your claim with your insurance company.

Getting Expert Help: You must also be prepared to take the help of an outside expert, as he can help you in getting the most suitable health claim. He can analyze and prepare a report supporting your case. This can help in pushing your claim and your insurance company will be under pressure to process your claim on priority basis.

Knowing Your Rights: It is very important for you to know your rights as a customer. If you feel necessary, you can call your insurance company and inquire about all the privileges you enjoy as a   customer. Be ready to consult a lawyer if you require, as he can guide you in a better manner about getting a medial claim. It is essential to know all the legal regulations and this can also significantly increase the chances of getting a health claim.

Remain Calm and Collected: You must not panic and stay cool and collected as getting a denied medical claim can take a lot of time. If you have a genuine case and you feel that you have been treated in an unfair manner, you will certainly get redressal for your problem. By staying calm and collected you will be able to deal with the overall situation in a better manner.

By following all these above mentioned ways, you can surely deal with a health insurance claim denial and hope to get your claim processed without facing any major problems.

{ 2 comments… read them below or add one }

ben macken October 18, 2010 at 10:30 am

denial for wisdom teeth stinks

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Donald Quixote August 28, 2013 at 11:20 am

I think the most important advice from the article is keeping calm and expecting a delay. The two together are often difficult and reading through paperwork as you are researching is frustrating, but just remember to keep calm and work your way through it.

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