Tips to Avoid the Pitfalls of Health insurance claims

Whether you are looking for a new insurance plan or simply sticking with the same insurance, you might find it difficult to pay your medication, doctor or hospital bills. However, most of these denials are in error, leaving the patient with unexpected expenses to incur.Errors may occur at any point be it claims-processing, cycle from the doctor’s office or even the hospital. Although you cannot avoid all the possible errors, you should take the necessary precautions to reduce the chance of your bill being denied. Here are some of the tips to avoid the pitfall of health insurance claims by UAN Login Employee.

• Double check all the information you when you fill in the health insurance application form

It is highly advisable that you confirm all the details when applying for an insurance health policy. These details may include name of organizations, your name, your subscriber insurance policy number, group name etc. The good news is that you can now update the details online since insurance companies are now making use of the internet when filling application forms.

• Get Preauthorization

Some insurance companies may want you to submit a request for preauthorizationexplaining the reasons as to why you need a medical procedure. You should therefore ask if treatment or tests will require preauthorization and whether or not the planned hospital stay is approved In addition to this, you must confirm if the insurance plan needs you to have a referral for a service like contacting a specialist.

• Make sure that the procedure code is listed correctly

Insurance companies which rely on the latest technology will deny a claim even when you make the slightest mistake. This is because the processing software are designed to reject incomplete, incorrect, not relevant and not covered codes. If your health insurance claim is rejected, then try checking whether there is a connection of the rejection with an incomplete or incorrect code. If this is the case, you should contact the billing department to make the necessary changes.

• Know More about the benefits when having more than one Health Insurance Policy

It is important to understand the benefits to be enjoyed when having more than one insurance plan. This is because the claim may be denied if the insurance company deems the order in which it was submitted incorrectly. You should fill a coordination form in order to be sure that the claims will be paid appropriately. When you and your spouse are covered under more than two policies, then asking both companies about the coordination of benefit rules will help in avoiding the pitfalls that may come.

These are just but some of the tips that will help you avoid pitfalls of health insurance claims. You should make sure that everything is in order when asking for a health insurance lest you want to dig deeper into your pockets when seeking medical attention. It is also advisable that you talk with your insurance company before paying the premium. This action will save you from the embarrassment that sets in when your health insurance claim is denied.