| It is very important to make sure that you have | | | | you have given then for a condition that is |
| adequate health insurance but you also need to | | | | actually pre-approved for treatment. |
| make sure that you know how to make a claim | | | | You also need to make sure you have read the |
| when the need arises. The health insurance claims | | | | schedule that tells you what benefits are attached |
| process is fairly straightforward but you need to | | | | to your insurance so that you know what you |
| make sure that you have all of the information | | | | are entitled to. Additionally, you also need to read |
| that the company will need so that your claim is | | | | the exclusions and the limits for your insurance. |
| processed as quickly and efficiently as possible. | | | | There will be a separate part that tells you how |
| Many people assume that the hospital and | | | | to submit your request as each company has it's |
| insurance company will do it all for you. | | | | own way of processing claims. If your insurance is |
| Unfortunately, if you do this and do not make | | | | an indemnity plan then the company will only |
| sure that it is being processed correctly then it | | | | process the claim after you have had the |
| might be that they will process you claim in a way | | | | treatment, but you should always get an |
| that suits them and that you will not get all of the | | | | explanation of benefits whenever any part of a |
| benefits that you are rightly entitled to. | | | | claim is processed no matter what insurance plan |
| A lot of health insurance policies will have | | | | you have, this way you will know exactly what |
| coverage for a lot of conditions that are | | | | they have allowed or disallowed and why. |
| pre-approved, so it is important to read your | | | | When you make an insurance claim it is important |
| policy carefully to see if the condition that you | | | | to make sure that you are fully aware of what |
| need to make a claim for is actually pre-approved | | | | that hospital and insurance company are doing so |
| as this will save you a lot of needless work. If | | | | that you can make sure that they are giving you |
| you are not sure, then it is a good idea to call the | | | | everything that you are entitled to that way if |
| insurance company providing your coverage and | | | | there is anything that needs sorting out you can |
| ask them as they would rather spend a few | | | | give them the information to do it as soon as |
| minutes helping you on the phone than having to | | | | possible. |
| work through a lot of pointless paperwork that | | | | |