In most cases, a doctor’s office will submit a claim to your insurance for the services they provided you. This ensures that the claim was filed accurately and timely and the reimbursement comes directory to the doctor’s office. However, when you visit an out of network healthcare providers, they might ask you to pay upfront and provide you with a few documents to submit your own claim to the insurance company. People, who have opted for reimbursement from health insurance companies, have often seen their application getting rejected or delayed due to various reasons.
Here are 4 steps that can make the claim submitting process hassle-free with fewer chances of getting rejected.
Always Get Itemized Receipts
A person should always ask for in itemized receipts whenever visiting a healthcare provider. It lists all the services provided to the patient along with the cost of each service. If any medications or drugs are provided during the treatment process, make sure to include them in the bill. Health insurance companies ask for original itemized bills along with the claim form.
Obtain the Claim Form
Patients can contact their health insurance company to get the claim form or can download a copy from their website. The claim form provides all additional instructions regarding the information needed from the doctor or the healthcare facility. Therefore, even before beginning to fill out the form, go through it properly to ensure everything required is in order.
Once the claim form is filled out along with the itemized bills from the doctor, do not forget to make copies of the entire set. In case the original claim documents get lost in the mail, in transition or with insurance company (which often more often then you think), it’ll be easier to re-file the claim with the copies. Also, always check the billing codes. In case of any clarification, contact the healthcare provider. This way, the insurance company cannot deny the claim for incorrect information.
After filling out the form, call the insurance company, review with them all the paperwork, and ask them if anything else is needed. Also, ask them about the average wait time for the claim to be reimbursed.
Once all the above processes are complete, the claim form is now ready to be submitted to the insurance provider. These steps might not help people get rid of delay or denial completely but can reduce the risk to a great extent.