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INTERNATIONAL HEALTH INSURANCE |
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INTERNATIONAL HEALTH INSURANCE |
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Back to MAIN INDEX "Tips for Understanding International Insurance" | |
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KEEP YOUR INSURANCE ACCOUNT CURRENT
GETTING THE MOST MILEAGE OUT OF YOUR INSURANCE
PREVENTIVE CARE
PRE-CERTIFICATION
RENEW YOUR CAREER PLAN OUTSIDE THE USA
KEEP THOSE MEDICAL RECEIPTS
HOW DO I GET MY NEWBORN ON MY INSURANCE PLAN?
RENEWED POLICIES MORE EXPENSIVE THAN NEW POLICIES!
APPLYING FOR HEALTH INSURANCE ONLINE
RENEW
YOUR CAREER PLAN OUTSIDE THE USA
WHY INSURANCE IS
CANCELLED
KNOW YOUR
INSURANCE PLAN
PLEASE READ YOUR
POLICY
HEALTH CARE "OUT OF NETWORK," A RECURRING PROBLEM
CANCELING
YOUR INSURANCE COVERAGE--HOW TO DO IT
THE
IMPORTANCE OF PRE-CERTIFICATION
PAYING
FOR MEDICAL CARE RECEIVED INSIDE/OUTSIDE THE USA
GETTING YOUR HEALTH INSURANCE RECORDS
HEALTH
CONDITIONS NOT COVERED IN FIRST SIX MONTHS
STRATEGIES TO CONTROL
INSURANCE RENEWAL INCREASES
Pre-certification means that the insurance company and medical foundation must approve the medical care you are requesting. Sometimes this is called "utilization review." You are given a phone number to verify that the medical treatment you are requesting will be paid for by your insurance. This is how insurance companies make sure that no undue operations or medical procedures take place. By so doing they are able to keep insurance premiums lower for each of us. The real question pre-certification seeks to answer is: "Is the care being requested by the client 'medically necessary?'"
Companies have different policies as to when pre-certification takes place. Some say you must pre-certify seven days before an operation, others two weeks. Some say only 48 hours. Of course emergencies are a different matter, but even those must be reported to the company within a specific time limit. Read your policy to determine pre-certification requirements. Of course pre-certification is not necessary for ordinary visits to your physician. But for major care, MRIs, x-rays, lab work, in-patient and outpatient surgery, ALWAYS call the pre-certification number on your insurance card. The rule of thumb: If in doubt whether your insurance will cover a medical expense, phone your pre-certification number first and find out.
Also remember that your insurance may not cover what your doctor insists is "medically necessary" care. For example, a person may have an alcohol problem, and the doctor suggests treatment for substance abuse. The treatment may be "medically necessary," but the insurance policy may exclude coverage for "substance abuse." Carefully read the "exclusion" page of your policy. Remember the rule: When you are considering any major medical care or expense, always pre-certify.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
