| It is a known fact that most insurance companies, | | | | have to pay it all yourself. This seems highly |
| especially the larger ones, love to deny claims and | | | | unfair, especially after you have been paying into |
| look for any and all reasons to not pay your | | | | these insurance companies for years and years |
| claims or your hospital and other medical claims. | | | | with out of your paycheck deductions. You should |
| You should be aware of this and you should take | | | | be able to use this insurance that you are have |
| certain steps to protect yourself . | | | | already paid for, correct? But the insurance |
| For example, a family member goes to the | | | | companies, especially Blue Cross and Blue Shield |
| emergency room for a serious emergency. The | | | | and United Health Care and the other major |
| last thing that you are thinking of is to go to a | | | | insurance companies insist that you pre-certify |
| pay phone and hold on while you listen to | | | | and On time or be denied. |
| recordings from your insurance company and | | | | You, as a patient or family member or consumer |
| hope that a human being answers the phone. For | | | | , need to protect yourself against these unfair |
| most emergency rooms encounters, you or the | | | | denials. How do you do this? There are steps to |
| patient can be in the emergency room hours and | | | | take and other steps that the insurance company |
| even sometimes days before you all calm down | | | | will not tell you about. You can protect your |
| and relax if the patient is stable. | | | | interests. So read my other articles and you will |
| To stop themselves from paying your claim, | | | | have the answers to your question. |
| most insurance companies have enacted these | | | | The next article that I write will detail the steps |
| strict "pre-certification " rules, and rules that you | | | | that you need to take to protect you and your |
| must call them within a certain period of time or | | | | family from unscrupulous insurance company |
| your claims might not be paid. Your doctors and | | | | demands and against their denials for payments. |
| hospital bills might not be paid and then you might | | | | |