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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
HOW INSURANCE COMPANIES DETERMINE “USUAL, REASONABLE &
CUSTOMARY”
Most major health insurance companies use a national database from Igenix, a
health information company, that tracks health service and care charges
throughout the USA. Their database contains more than 900 million current
fees in more than 270 geographic ZIP-code groupings. These groupings are
broken down by three-digit, ZIP- code radius for each service. The “Usual,
Reasonable and Customary” charges are based on data closest to the place of
service. This method gives greater accuracy in calculating medical charges
(taken from AMS Producer, 3/06).
Healthcare companies are well aware that charges for a Cat Scan in
California, Florida or New York will be more than for a Cat Scan in Iowa.
When they agree to pay “Usual, Reasonable and Customary” charges, they are
basing those charges on what the real cost is where you received the medical
care.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
