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How to obtain health insurance with pre-existing conditions

How to avoid getting Health Insurance Claims rejected?

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How to Avoid Getting Your Health Insurance Claims Rejected

When you are covered by health insurance, you will surely file claims for any of your medical expenditures. However, you should know that not all of your health insurance claims will be approved. There are great number of people who have experienced this for various reasons. To avoid being denied when you fill out your claims, there are some things that you should consider and take note of before you even apply for a specific health insurance policy.

If you are just in the process of getting your health insurance coverage, there are certain things that you can do to avoid getting your claims denied in the future. When you are applying for health insurance coverage, make sure that you give the health insurance company a full picture of you current health condition. If you have any pre-existing conditions, you will have to let the company know about it or you risk being shocked by having to pay your own medical bills in the future. When applying for health insurance coverage, you may not be required to undergo a medical exam especially if you are under a certain age. However, this will depend on the insurance policy that you are applying for. It would always be best to be honest about your current condition.

When you are already covered by health insurance, you should know that there is a specified time period within which you can make a claim for your hospitalization coverage. Generally, this time period is twenty-four hours after your hospitalization. However, different policies from different companies will vary in this regard. Make sure that you read through the details of your policy before you sign anything.

With any health insurance policy, there is usually a clause that will exclude coverage for a pre-existing condition. This is especially true if you are just starting out with the health insurance company that you have chosen. However, there are cases where you will be covered for pre-existing conditions especially if you have stuck with the same insurer for a long period of time. To know this for sure, check with your policy for the details on these exclusions.

There are also times when your hospitalization benefits may be excluded especially if you donít meet the minimum requirements specified by your health insurance company. You may be required to stay hospitalized for a minimum number of days in order to be qualified for health insurance claims. Most often, the minimum requirement is five days.

You may also have limits when it comes to surgery. If you need to have multiple surgeries at a time, you will most likely be covered for the most severe or complicated one. The others will usually be covered only by fifty percent. However, more often than not, any surgery other than the most serious one will not be covered unless otherwise stated in your policy.

Another important thing to take note of is that most health insurance companies will only pay for a claim if you provide them with the original bill. If you are using more than one insurance company to pay for your medical bill and all of them requires the original, you might find yourself in a tough situation. Check with your insurance company to find out if they would accept copies in order to avoid being denied.

These are very important considerations when you are looking for a health insurance policy. When you have chosen one, you must do everything according to your policy to avoid having your claims denied.


Five Tips

  • Don't trust your agent 100%, he sometimes has to make choice between your best inertest and his commison.
  • A policy blended with term and whole life coverage, may not be right for you.
  • If your employer provides both HMO and PPO, choosing for you and your family is a critical decision.
  • Buying term insurance, paying down debt is a smart move.
  • Use a fee-only insurnace advisor, not a agent if you can afford it.


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