The good part about having insurance is that it will help you to pay for all of your medical bills, which means you can visit the hospital when you need medical care, without having to worry about how you are going to pay for the bills. There is a downside to insurance, however, in that it can often be difficult to get the insurance company to pay for some of your treatments. When this happens, you need to find the best way to fight the dispute and get your bill paid for.
Instructions
1. Collect all of your paperwork, including the copies of your insurance policy that state exactly what will and will not be covered. You will also need to gather all of your bills, showing exactly what you have gotten treatment for and the costs associated with each of those treatments.
2. Compare the treatments with the list of what is covered under your policy. In some cases, certain procedures will not be covered, as unfair as this may seem. You could discover, however, that your policies are not clearly listed as not being covered and in these cases, you will need to claim a dispute to the fact that the insurance company refuses to pay for this treatment.
3. Call your insurance company and document the entire call. Explain exactly what procedures were covered and cite examples from your insurance policy that you believe indicate that the treatments should be paid for. Take careful notes during this call, including the name of the person you spoke to. Get a date by which your claim will be resolved.
4. Follow up on this claim by calling back at the date a resolution was promised. If you're contesting of the reimbursement went through, you should be getting the money you deserve. If not, you need to consider where else you can go to call attention to the fact that you are owed money.
5. Visit your state's department of insurance to file a claim. This can take a great deal of time, but it may be one of the only ways in which you can get the money you are owed. There are different ways to claim appeals to the state, so you will need to determine what your state requires. In order to find your state's Department of Insurance website, use the National Association of Insurance Commissioners website listed as a resource below.
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