| It is a known fact that most insurance companies, | | | | insist on their mailing address so that you can notify |
| especially the larger ones, love to deny claims and | | | | them in case you need to notify them that you or a |
| look for any and all reasons to not pay your claims or | | | | family member needs to be in the hospital. If they |
| your hospital and other medical claims. You should be | | | | give you a hard time, just ask for their corporate |
| aware of this and you should take certain steps to | | | | address in your city or near your city. Here is what |
| protect yourself. If you have health, life or | | | | to do ahead of time-- address an envelope to your |
| home-owners insurance, I will bet that is was way | | | | insurance company and put stamps on it. Type a |
| easier to buy and pay for the policy than it was to | | | | letter stating that a person (leave their name blank |
| put any kind of claim in. | | | | but put a space there) has been taken to the |
| Why does this happen? This happens simply because | | | | emergency room and you are not sure yet what the |
| the law allows it to happen. I guess somewhere in | | | | admission diagnosis is. Tell them in this letter that you |
| America and across the oceans, someone needs to | | | | are notifying them because you are unable to get to |
| step in and begin changing our insurance laws so that | | | | a phone and this letter will serve as their |
| they begin to benefit the people more than they | | | | pre-certification notice or notice that someone has |
| benefit those large corporations who are making | | | | been admitted. Place that letter, envelope into a safe |
| millions and sometimes billions at our expense. We are | | | | spot in your home (perhaps on your desk). |
| all supporting those insurance companies and no one | | | | Now IF an emergency happens, simply fill in your |
| likes it any better than you do. Here are some details | | | | name or the name of the patient, and fill in your |
| about different insurance coverages and their red | | | | insurance numbers and mail it off certified or with |
| tape system. | | | | certificate of mailing. If you do not have time to send |
| For example, a family member goes to the | | | | it by waiting on line at the post office, then mail it |
| emergency room for a serious emergency. The last | | | | through one of their electronic mail machines or mail it |
| thing that you are thinking of is to go to a payphone | | | | through Office Max or Staples where you will have a |
| and hold on while you listen to recordings from your | | | | receipt for mailing it. |
| insurance company and hope that a human being | | | | Keep all your receipts. Then at a later date when you |
| answers the phone. For most emergency rooms | | | | are able to do so, you can call your insurance |
| encounters, you or the patient can be in the | | | | company and let them know that you have notified |
| emergency room hours and even sometimes days | | | | them by mail. |
| before you all calm down and relax if that happens at | | | | That is one way that you might be able to protect |
| all. When you think about all the emergencies that | | | | yourself. Even if the company does not like your |
| happen in our country, you know that these | | | | idea, at least you have written, postmarked proof |
| insurance companies are receiving thousands of | | | | that you have notified the insurance company. |
| claims each day and one way they stop claims is by | | | | Other insurance red tape is all about home ownership |
| insisting that you notify them within a certain number | | | | and home ownership policies. So many times |
| of hours. | | | | insurance companies are eager to sell a policy to you |
| Here is a way to protect yourself from being kicked | | | | and then they are not eager to pay out your claims. |
| out of your insurance claim right now. | | | | Check this link for information regarding |
| Right now, write or call your insurance company and | | | | home-owner's insurance red tape. |