Getting a large hospital bill that you were not expecting can be a financial nightmare. If your health insurance in Florida, denies your claim, it can take a long time to iron things out and get the bill paid. The better option is to avoid a denial in the first place. Consumer Reports explains there are several things you can do to prevent a claim denial from your health insurance company before you ever get treatment.
Above all, you should understand your coverage. Know what doctors you can use and what procedures the policy covers. Be aware of anything that requires preauthorization. These days, preauthorization may even be needed for certain pain medications. Knowing this ahead of time is important to avoid having to pay the bill yourself. Also, understand what to do if you need care due to a work or auto accident. Often your insurer will not cover those claims initially since they may be covered under worker’s compensation or an auto insurance policy.
Always look over any bill you get. Make sure that your name and policy number are correct. Double check all your information because even one small mistake can get your claim denied because the information does not match what is in the system at the health insurance company. In addition, you have to make sure you have been charged for the proper procedures. A mistake in entering information can easily lead to a denial. This information is for education and is not legal advice.