Managing your health insurance can be difficult. Whether you have public or private insurance, many issues are the same.   Here are some ideas that can help: Get Your Medical Documents and Health Insurance Paperwork Organized This is the most important thing to do. Keep all your papers together, either electronically on your computer (backed up, of course) or in a binder or drawer so you know where to find them. Put all papers about the
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Getting the most out of your Health Care coverage

Filled under Bache & Lynch, Insurance Claims, Personal Injury on December 7, 2017 - no comments.

Managing your health insurance can be difficult. Whether you have public or private insurance, many issues are the same.   Here are some ideas that can help:

Get Your Medical Documents and Health Insurance Paperwork Organized
This is the most important thing to do. Keep all your papers together, either electronically on your computer (backed up, of course) or in a binder or drawer so you know where to find them. Put all papers about the same provider in the same place.  Keep copies of all the letters you receive from your health plan, and other records that you send to the health plan, especially letters written by your doctor or health care provider.  Health plans are big companies and it is easy for  your papers to get lost.

Communicate in Writing when you can
You may talk to many health care providers and health plan employees. When you call about your health care, have your insurance card nearby with your member and group number. Write down the date, name of who you spoke with, their title and what was discussed.  When possible, follow up calls with a confirming email or fax.  This gives you a paper trail which you may need later on.  Send important documents by certified mail, return receipt or by fax with confirmation sheet.

For specific requests to your health plan:

Make all requests in writing.
Keep a copy.
Keep proof of when and where you sent a request.

Keep on top of Deadlines
As soon as you receive a letter from the health plan with a deadline, write it down on your calendar, or add it to your phone’s calendar.  Take these deadlines seriously. If you do not meet a deadline, you may be unable to get the service you need.

Read and Learn

Be a good consumer.  Know what services your health plan is required to provide. Read the member health plan handbook. In addition to knowing about your policy, you should also know about your medical condition.  Ask your doctor and research choices available for treatment of your condition.  The best defense is a good offense. You can prevent a denial and the need for an appeal if you get your doctor involved early in the process. Ask for the help you need. The most common reason a health plan will deny a service is that they do not have enough information about you and the service you need. To avoid this problem, ask your doctor or health care provider to write a letter of medical necessity and send it with the request for service if you have concerns about whether your insurance will cover something.