Will Your Insurance Company Pay Your Hospital Bills?
It is a known fact that most insurance companies, especially the larger ones, love to deny claims and look for any and all reasons to not pay your claims or your hospital and other medical claims. You should be aware of this and you should take certain steps to protect yourself .
For example, a family member goes to the emergency room for a serious emergency. The last thing that you are thinking of is to go to a pay phone and hold on while you listen to recordings from your insurance company and hope that a human being answers the phone. For most emergency rooms encounters, you or the patient can be in the emergency room hours and even sometimes days before you all calm down and relax if the patient is stable.
To stop themselves from paying your claim, most insurance companies have enacted these strict “pre-certification ” rules, and rules that you must call them within a certain period of time or your claims might not be paid. Your doctors and hospital bills might not be paid and then you might have to pay it all yourself. This seems highly unfair, especially after you have been paying into these insurance companies for years and years with out of your paycheck deductions. You should be able to use this insurance that you are have already paid for, correct? But the insurance companies, especially Blue Cross and Blue Shield and United Health Care and the other major insurance companies insist that you pre-certify and On time or be denied.
You, as a patient or family member or consumer , need to protect yourself against these unfair denials. How do you do this? There are steps to take and other steps that the insurance company will not tell you about. You can protect your interests. So read my other articles and you will have the answers to your question.
The next article that I write will detail the steps that you need to take to protect you and your family from unscrupulous insurance company demands and against their denials for payments.
From:http://ezinearticles.com/?Will-Your-Insurance-Company-Pay-Your-Hospital-Bills?&id=1215232
Tags: health, insurance, king, question, rules