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INTERNATIONAL HEALTH INSURANCE |
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INTERNATIONAL HEALTH INSURANCE |
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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?
CLAIMS
SUBMITTED LATE CAN BE DECLINED
PAYING CLAIMS – HOW LONG SHOULD IT TAKE?
When we have a valid claim, we want the insurance company to reimburse us
immediately. We have submitted our claim form, and we know the illness was
not related to a preexisting condition. All our documentation has been
submitted to the insurance company. Why the wait?
First of all, insurance companies are always careful because of fraud.
Insurance companies lose tens of millions of dollars every year due to
fraudulent claims. Even though yours is valid they still need to check out
several things. They need to be assured that the illness is not related to a
preexisting condition. The larger the claim the more careful they will be.
They might ask to see the doctor’s medical records. They may want to contact
your hospital in the USA. Sometimes getting these reports takes time, thus
the delay in paying claims. Of course, if you break your leg or have an
accident, that makes paying the claim much easier. Yet they still need all
of the paperwork.
Usually count on it taking 60-90 days to get a claim paid. One company
insists that their average turnaround time on a claim is 14 days--and that
may be so. But note 14 days is their “average.” That means that many claims
will take less time and many will take more time.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
