Tag: health insurance

What Customers Must Do To Verify Health Insurance

None can hope to stay without adequate health insurance coverage in Georgia. Buying health insurance is not just a ritual. You need to actively involve with several activities connected to your health insurance plan like choosing the right kind of plan for the typical needs of your family; customizing the plan to see that it yields maximum coverage options at affordable prices; paying the premiums regularly; take advantage of some special provisions in the policy allowing for periodical health check-ups and diagnostic procedures for some diseases; complying with the claim processes when you have huge medical bills and see to that the policy holds good amidst the changing scenario in the healthcare and the insurance arenas. Your health insurance plan will decide the way your family can access healthcare. Verifying a health insurance plan is essential to get the best out of your health insurance plan and this article discusses how to do it.

Verifying health insurance plan is required under several reasons. Medical providers might need to verify the insurance for a patient; and the subscribers might verify it to see that it covers what it should. Customers can make use of these following steps to verify their primary and secondary health insurance products.

You must always maintain accurate records to see to that the patient information is up-to-date. Some of the most important information you need to have in the record include patient’s name, name of the carrier, policy number, deductible amount, date of commencing the coverage, and co-payment aspects.

Several factors can change with regard to health insurance coverage even within a short period of time. Aspects like birth or adoption of a child by the policy holders, marriage or divorce can significantly affect the coverage. Get the photo ID and original health insurance card from the patient and make required number of copies to attach in the paper file or scan it for the purpose of electronic filing.

Contact the health insurance carrier to confirm the coverage for the patient. You will find a toll free number at the back of the insurance card in addition to the other relevant contact information pertaining to the health insurance firm. Get to verify the co-pay options of the plan. This can be collected from the patient. Usually they will receive a receipt detailing the services provided for the sake of personal verification of the plan.

Be ready to answer patient queries regarding coverage options and co-pays. If needed, you can also contact the insurance agent to check the items that you are not sure of, especially under circumstances where the plan is new to the patient.

Check whether the patient has any secondary insurance coverage and verify the percentage and amounts covered by the secondary provider.

Individuals need to maintain a log in order to track medical items like the sum paid, reasons for visit, surgical procedures, and others. These days, most providers rely on computerized systems for keeping records.

Keeping all records and receipts in a single folder will enable easy access whenever needed. Make use of the color-coded system in a health care provider’s office with the help of the parameters set forth by the doctor and staff. You may also consider using different colors tabs for the personal records of each family member to identify the records easily. This will be helpful particularly when you have more than one provider.

Spend the necessary time to review new policies and procedures supplied to you by the health insurance providers. This act can help save hours that you will need to verify health insurance.

The author is a widely read expert on Health Insurance georgia and writes exclusively on Low income Health Insurance georgia. His articles are read with great anticipation and eagerness.

November 12, 2016     0 Comments  

Step By Step Guide To Buy A Health Insurance Plan In Texas

Before Texas citizens buy health insurance policies, it is important that they know the basic components of health insurance policies so that the policy chosen meets the requirements of the buyer. Often, evaluating the health insurance products at Texas can be overwhelming due to the vast number of choices available for the consumers. It is essential that you make an informed decision to land on a suitable policy and get the true value for the money you pay towards the premiums.

You need to first make a good market research to consider the various insurance carriers and health insurance policies marketed by them. You need to ascertain that the insurance carrier you choose is financially strong and has a reputed presence in the market. You also need to check their claim settlement history by reading some online reviews so that you will know how far the carrier is dependable. Experienced insurance brokers will be able to help you understand different insurance carriers and policy coverage options you need to consider. With respect to policies, you need to compare the premiums and the coverage benefits offered by the policy. You need to understand how a plan deductible works. Deductible is the amount that the insured has to pay before the policy takes effect. If the deductibles are more, the premiums will be low and vice versa. You must determine what level of deductible is acceptable.

With the above said steps, you would have understood what plans are the best for yu and which carriers are the most reliable ones in the insurance industry. Insurance agents who market the products of various insurance carriers will be able to give you an objective idea on how to select the suitable health insurance policy. Once you know the various options, you apply them to the specific medical conditions and the typical health care needs of your family and yourself to see what plans will suit the best for your needs. Check the budget that you can afford for your health insurance plans.

In most cases, you can submit your health insurance application online to the chosen insurance carrier. This will shorten the time taken to underwrite the policy for you. Once the application is received at their end, the insurance carriers will conduct a telephone interview. Typically the interview is conducted by a nurse to ascertain that the information given in the application is true. This will be followed by a request for any additional information required by the insurance carrier to complete the application. It is required that you pay the initial premium with the application either via credit card or bank draft.

Based on the discretion of the health insurance carrier, your health insurance application can be either accepted or declined or approved with a modified coverage option or premium amount. If the insurance carrier chooses to charge extra premium based on the medical conditions of adults covered by the policy, then a 10 day free look period will be allowed for the subscriber either to accept or reject the plan. The carriers can also choose to exclude some benefits for a specific period or permanently based on the medical conditions described in the application. Once you are notified of the stand taken by the insurance carrier, you can see whether you want to subscribe to the policy or reject it from your side. In this way, Texas customers can purchase health insurance plans in the state that suit their requirements.

The author is a widely read expert on Low Income Health Insurance Texas and writes exclusively on Low Cost Health Insurance Texas. His articles are read with great anticipation and eagerness.

November 7, 2016     0 Comments