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