LIBRARY OF INTERNATIONAL MEDICAL AND HEALTH INSURANCE INFORMATION AND RESOURCES
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This page contains dozens of short articles that will help you quickly understand international insurance. For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles. Choose an Article From the Topics Below

INTERNATIONAL HEALTH INSURANCE

   

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INTERNATIONAL MATERNITY HEALTH INSURANCE COVERAGE AND OPTIONS

TIPS ON FILING A HEALTH INSURANCE CLAIM
SUBMITTING CLAIMS
CLAIMS – GO DIRECTLY TO INSURER’S “CLAIMS DEPARTMENT”

SPEEDING UP THE CLAIMS PROCESS
KEY TO SHORT-TERM HEALTH INSURANCE CLAIMS.
PAYING CLAIMS – HOW LONG SHOULD IT TAKE?
WHEN YOUR INSURANCE WON’T PAY
HOW COMPANIES DETERMINE “USUAL, REASONABLE & CUSTOMARY”

WHEN YOUR TRAVEL INSURANCE IS YOUR “PRIMARY COVERAGE”

INSURANCE CLAIMS

CLAIMS REIMBURSEMENT--WHY IS IT SUCH A PAIN?


TIPS ON FILING A HEALTH INSURANCE CLAIM

Study your plan. Make sure you know what is covered. Read the fine print. Remember the old insurance adage: “The large print giveth and the small print taketh away.” Before receiving medical care make your health provider familiar with your plan. Always use your medical ID card when you receive treatment. If your plan requires pre-certification prior to treatment, follow the pre-certification guidelines.

Complete the claim’s form correctly and submit it in a timely manner--no later than 90 days from the day you received medical care. Generally, when receiving medical care in the USA, your insurance company can directly reimburse the medical provider. However, when outside the USA, you will need to pay out-of-pocket expenses and then contact the insurance company for reimbursement. After paying your provider, submit your claim form, bills, and itemized receipts to your insurance company.

When submitting your claim form, list the claims in chronological order on the form starting with the oldest claim. Make sure the date of service and diagnosis is listed on each receipt. Also put the patient’s name on each receipt.

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