Organizing Your Health Care Insurance Claims & Forms
Health care coverage is a hot topic and that should be of interest to all of us. Health care costs are high and getting higher, and on top of that, we’re shouldering more of the costs. It is important to track your insurance claims; reviewing what was covered and what was not. You may find that a claim was denied when it should have been paid. You deserve your rightful coverage, so keep track of all claims and payments! If there is a discrepancy – even if you’re not actually sure but simply have a hunch – write a letter to your insurance company asking for clarification.
Insurance Information
Keep your policy information and numbers in one place. Important Tip: Make copies of your policies (the detailed list of what is covered and what isn’t) as well as a copy of all health care providers in the network.
2. Insurance Claim Tracker
Keep track the dates, statement numbers, total amount billed, and what the insurance paid. It is important to keep this up-to-date because you may be shocked at some of the discrepancies that will occur.
3. Insurance Interaction Log
Keep an insurance interaction log and track the calls or letters you’ve sent to the insurance company. It is very important to keep a log of all interaction.
Hints:
Make a copy of your insurance card AND your insurance policies and place them in this section of your Health File. These will come in handy if you need to look up a procedure that might or might not be covered.
If you have concerns about claims that are denied it is in your best interest to dispute the claim.
Keep copies and notes on ALL correspondence.
Eileen Kollmeyer
My Wise Guides
Email: eileenk@mywiseguides.com
Phone: 206-369-5305
www.mywiseguides.com
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