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Elective Surgery and My Insurance Coverage
Posted in Health Insurance , Health Insurance Claims
August 28th, 2009
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Typically, health insurance companies will pay for elective surgery they deem as life saving. Cancerous tissue removal, angioplasty, vision correction and gastric bypass surgeries are all types of elective surgeries that doctors can (and often do) qualify as necessity for improving or maintaining your quality of life. 
Out of Pocket Expenses Series: Common Out of Pocket Expenses
Posted in Health Insurance , Health Insurance Claims
August 24th, 2009
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For many years, health insurance has been a major concern not only for the government, but for the individual families and people struggling to afford to manage the expenses. Even those with comprehensive health insurance need to have even more funds available to handle medical expenses as there are still some common out of pocket expenses that need to be paid for by the policyholder in order to get certain medications or treatment.
What Are Health Insurance Claims?
Posted in Health Insurance , Health Insurance Claims
August 6th, 2009
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When you file a health insurance claim, you are seeking payment of services rendered on your behalf by a doctor or medical facility. Let’s say you wake up one morning and notice a lump in your arm. You have health insurance, so rather than hoping it will just go away because you’re afraid of how much it will cost to have it looked at, you can do the smart thing and go visit your doctor to have it examined. Your doctor decides to perform a biopsy and do some blood tests while she’s at it. All told, the bill for your visit comes to $1,000. Normally, your doctor’s office will submit the health insurance claim to your insurance provider, and you don’t have to do a thing. Sometimes, however, you have to pay upfront and then get reimbursed. When you file a health insurance claim with your health insurance provider, you are seeking to be reimbursed for the money you laid out.
How to File a Health Insurance Claim
Posted in Health Insurance , Health Insurance Claims
July 9th, 2009
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If you’ve got health insurance then you know that filing a claim is a critical step in your health insurance process. If you don’t have health care insurance, and are unfamiliar with what filing a claim means, don’t be intimidated. Filing a health insurance claim can have a lot of steps involved in it, but is not particularly hard to understand. Of course, there are exceptions to every rule, and in some cases filing a health insurance claim can be difficult, complicated, and above all frustrating.
Tips On Choosing A Doctor
Posted in Health Care , Health Insurance , Health Insurance Claims
May 12th, 2009
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When you choose a health insurance plan, one of the first things your insurer will ask you to do is to choose a doctor to be your primary care giver. The process of choosing a doctor can sometimes be bewildering, whether you are moving to a new city or trying to pick a new primary care physician. But choosing a doctor is an important part of your overall plan for health and wellness. How do you choose a doctor you can trust?
Flexibility Through Indemnity Health Insurance
Posted in Health Insurance , Health Insurance Claims , Indemnity Health Insurance
May 11th, 2009
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Those seeking health care insurance that is flexible with many options may want to consider indemnity health insurance. To most people, indemnity health insurance plans may seem costly and more of a hassle than a managed care plan. But those who consider flexibility to be extremely important in a health plan can certainly enjoy the benefits offered through indemnity health insurance.Indemnity health insurance offers the flexibility for policyholders to work with the health care providers of choice, provide medical coverage for those who travel, and those who visit doctors outside their local area.
Do I Have to Pay a Deductible for an HMO?
Posted in Health Insurance , Health Insurance Claims , HMO
April 27th, 2009
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When reviewing characteristics of HMOs, you may wonder whether you are responsible for paying a deductible. This is a good question, considering that some types of health insurance coverage require that you do.
Understanding Maximum Out-Of-Pocket Expenses
Posted in Health Insurance , Health Insurance Claims
April 21st, 2009
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When it comes to health care coverage, a lot of people confuse the term “maximum out-of-pocket expenses” with their deductible. They think that when they have met their deductible, they are not liable for any further out of pocket expenses and they may be surprised to get billed later for expenses that they thought were covered. It is worth taking a look at the difference between the two so that you understand maximum out-of-pocket expenses.
What Are Some Exclusions That My Provider May Have?
Posted in Health Insurance , Health Insurance Claims
April 20th, 2009
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Having health insurance is great, but it can be a shock to find out that something you thought was insured for instance, a surgical procedure, medication or specialist visit – is in reality not covered. Unfortunately, some devices, procedures, drugs and specialists may be excluded under your heath plan. If your procedure is denied reimbursement by the insurance company, you will be the one responsible for paying the bill. Before you go to the doctor, it helps to familiarize yourself with your health insurance exclusions so you don’t get a nasty surprise later.
How to Check for Health Insurance Limitations
Posted in Health Insurance , Health Insurance Claims
March 20th, 2009
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According to the Journal of Health Affairs, recent studies show that an estimated 2 million Americans declare bankruptcy each year due to medical debt. What you might find even more shocking is that, of those 2 million Americans, a little over 75% of them had health insurance to help with the cost of medical treatment! How could medical expenses overwhelm an insured family so easily? Because a lot of people don’t realize that there are restrictions on their insurance coverage until the bill has already been submitted to the insurance company.
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