| Every insurance company has its own claim | | | | much the company paid, how much was applicable as |
| procedures. When filing a claim with your health | | | | deductible and the balance that you are supposed to |
| insurance, you need to follow the steps as outlined | | | | pay, if any. At the time you avail the medical care, |
| by your insurance company. In most cases, claims | | | | you only need to pay the co-payment amount. |
| are denied by a mere technicality. | | | | Before, an Indemnity Plan holder is required to pay |
| The best place to find information on claiming your | | | | the entire amount for the medical service rendered |
| medical insurance is your health insurance company | | | | to them upfront. Then the policyholder has to |
| itself. Generally, you are provided a toll free contact | | | | complete lengthy claim documents, which usually took |
| number that you can call during business hours. When | | | | weeks to clear. But nowadays, the front office |
| speaking with your health insurance company's | | | | personnel directly bill the insurance company first and |
| representative on the phone, you may be required to | | | | after the company pays up the percentage, the |
| provide some details like your policy number and | | | | balance will be taken from you, the patient. If there |
| name of the primary insured of the policy. After this, | | | | is a disagreement over the payment, you will have to |
| the representative can access the details of your | | | | pay it up. You can then sort it out with your |
| policy and guide you on the steps you need to take | | | | insurance company later on. |
| to your claim. | | | | Computerization has made the medical billing process |
| If you happen to be a Managed Care Plan participant | | | | very easy. You no longer have any extra costs to |
| and have a covered benefit, the process is pretty | | | | bear apart from paying your co-payment amount. If |
| straightforward. You just have to visit your insurance | | | | you have not satisfied your deductible, the |
| company and the staff there will take care of the | | | | paperwork is still forwarded so as to help keep track |
| rest. They will take care of everything -- from | | | | of the use of policy and the payments due. The task |
| entering the appropriate code for the service | | | | involved in processing a claim is complex, but health |
| rendered to sending the paperwork back to you. You | | | | insurance claims for covered benefits are nowadays |
| will receive a document detailing your visit to the | | | | settled in a short period of time. |
| office. The document will also give the details on how | | | | |