HANDLING CLAIMS - FILING A CLAIM

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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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Health Insurance in the USA

"Jeff, I just wanted to say a quick "Thank You" for the newsletter, or "Quarterly E-Bulletin." I don’t know if this is all your work or a team, or you buy content, or just who puts it together; but I’ve gotta say it’s one of the few pieces of its kind that I actually *read* top-to-bottom. [The "Quarterly Bulletin" is written by Jeff, assisted by the GNI staff.]"

(DS, Pennsylvania)

"Nelma, Thank you so much for your immediate help in getting my credit from the insurance company. It’s this kind of service from you and your partners that keeps me coming back to GNI for ALL my international insurance needs. "

(KD, California)

"Trish, Thanks so much for your follow-up on this. We actually got a check in the mail already, covering all the charges minus the $250 deductible. I was surprised and pleased that we got it so quickly! Thank you again for taking care of us. You have been extremely helpful, Trish."

(AR, Indiana)

"Doug, I wish to thank Pei for the first class service I received. I value great customer service having worked for a Japanese airline for 17 years. I believe the service reflects the management."

(TM, New York)

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