It depends on why the ins. co. denied the claim.
Usually a simple call to the insurance company by the insured person is enough to get the insurance co to at least review the claim again.
If the policy is part of a group plan through an employer, you might want your human resources department to make the inquiry.
Often, insurance companies will deny a perfectly legitimate claim, because they know a percentage of patients will simply give up and walk away. They save lots of money this way.
The key is to be persistent. If there is any validity to the claim, they will eventually pay the claim just to make it (and you) go away.
If you suspect the insurance co. is not acting in good faith, let them know you are going to contact your state's insurance commissioner regarding the matter. You may also want to threaten to take legal action (sue) if they do not reverse their decision.
If they claim the procedures were not necessary, tell them you intend to sue the doctor, and you will compel the insurance co. to testify on your behalf. I've actually used this technique and it was very effective. They reversed themselves immediately on a $2000 claim.
You can also threaten to go public with your claim, use the local news media to publicize your plight.
According to this website, health.howstuffworks.com, catastrophic health insurance provides the minimum health care coverage and does not usually pay for doctor visits.
"Nib Health Insurance is a health insurance plan that covers a percentage of your health care. There are different options of coverage available and these plans help if you are hospitalized, need to see the doctor, eye doctor or need medication."
Tonic health insurance offerd by Anthem has the advantages of lower cost premiums and doctor visits. It also offers dental and vision coverage. This coverage is not available in all states.
No health insurance company denies anyone health insurance for being gay.
Can you drop your health insurance coverage at anytime from your employer?Read more: Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer
Can you drop your health insurance coverage at anytime from your employer?Read more: Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer
UPMC is a great health insurance company that offer great coverage. You can find a list of all the your covered doctors at www.upmchealthplan.com/doctor/index.aspx.
a medical/health coverage insurance for a policy holder and his/her dependent that can be paid for privately or by your employer. A deductible is paid for services like doctor appointments or ER visits.
"You get private health coverage or insurance by purchasing it from a private health insurance company. There is Athem Blue Cross, and that is the main one."
You can easily write a reinstatement letter to your health insurance by including your previous dates of coverage, the reason for the termination of your coverage, and the reason why you want to reinstate your health coverage.
Health insurance is expensive, but if you have to go to the doctor, you will need some type of coverage. If you don't have insurance, you will have to pay out of your pocket for the care that you are given. States are starting to offer low cost insurance to people who need it, so check with local health departments and hospitals to get more information. Even the most basic health insurance coverage is better than nothing.
no