People of all ages in Florida rely on health insurance to give them piece of mind. You know that whether you have a medical emergency or a scheduled appointment, a checkup or a big surgery, your health insurance company will foot the bill.
But, what happens when they do not? What if after filing a claim with your health insurance company, your claim is denied? What then? Try not to panic. Take a deep breath and check out the tips below to see if you might be able to rectify the situation.
Find out why it was denied
Not every no is a hard no. Sometimes a claim is denied because there was an error or insufficient information submitted. Forbes recommends that you contact the hospital, your doctor and/or the insurance company to find out why the claim was denied. You may also want to compare documents from all parties to ensure they match. One comma or a misplaced zero is all it takes to throw everything off.
Insurance companies use an auditing software bot to approve and deny claims. Naturally, no algorithm is perfect, and worse, the bot serves the better interest of the company rather than its clients. Because of this, it is a good idea to keep applying. The more often you apply, the more likely that bot is to finally give you an approval.
Seek out allies
If you are unable to make headway with the insurance company, your doctor or hospital may offer to connect you with professionals who can help. These professionals may help you to not just get approved by your insurance company, but also use additional benefits from other sources that may further lower the amount you owe.
Unfortunately, if professionals are unable to help, you may need to start making payments on your medical bill to protect your credit score. The allies you have secured may be able to help you work out a payment plan with your hospital or doctor. This way, you can pay for the medical bills in installments, while you continue to appeal the insurance claim denial.
This article was written to inform you about denied insurance claims and should not be used as legal or health care advice.