Have you ever experienced insurance claims?
Filing an insurance claim is often directly preceded by a traumatic event in your life. So the last thing you need is a fight with your insurance company to force it to pay. But you can take steps at every point in the process – and even before a traumatic event occurs -to help make sure you get satisfaction.
Even if you take preventive measures plus steps to file an insurance claim, you could find yourself losing a tug of war with your health, homeowners or auto insurer over how much it will pay. These tactics will help you fight back.
Health insurance claims earn the title of most complicated because you must deal with the complex relationship between your health care provider and your insurer. It doesn’t help that doctors and hospitals provide different deals for each insurer. You’ll avoid many troubles if you know what your policy does and doesn’t cover — and what it requires.
In almost every insurance claim, a denied claim could just be an administrative problem. The insurer may need more information from the doctor, or wrong codes may have been entered somewhere along the paperwork trail. If addressing those items doesn’t solve the problem, don’t waste your time with repeated phone calls over weeks and months, but better go into the official appeal process-that forces the insurer to respond in a timely manner.
Anywhere you may live, in Chicago, Glenview, Hanover Park, Highland Park, or Lincolnwood, call your state department for insurance claims help before you file an appeal, especially if the claim is for a large sum of money.
If you find yourself in such issues, you can get extra help from a claims specialist. These professionals can help organize your claims paperwork, deal with the insurer, spot errors, collect extra documents, and help you file an appeal.