Understanding your health insurance policy, keeping all documents in order, help of your doctors and special support organizations, and some other details which may be useful to succeed in your possible health insurance claims are in the focus.
We hope you won’t need to fight your health insurance company, but if it is the case, you should know some important things. Nobody is free from mistakes. Representatives of health insurance companies are not an exception. But the clients should not suffer from their mistakes. Be ready to protect your rights. You shouldn’t do anything extraordinary, neither go to the barricades, nor commence a parachute jumping, just understand your policy: it may be very important – to understand every detail of it. Sometimes there may be a lot of special terms in your health insurance policy. If they are vague, don’t be shy, ask your health insurance agent to clear everything up answering all questions of yours.
Then, try to keep all documents properly. They may help you to organize your claim: any details, names, dates, words of doctors, replies of opponents, payment cheques for any medical service, etc... All necessary information should be at hand.
It sometimes occurs that people believe the doctors should remember all the details of their cases and rely on them completely. Yes, a patient must trust a doctor, but think, you are not the only person your doctor works with: different patients, different cases, different types of treatment, and different health insurance companies at last. You and only you are responsible for the success of your possible claims. Doctors may help to make your claim more powerful and grounded from the medical point of view. But in any case, you should not fall into despair, you are not alone! Don’t you know that there are special support organizations, such as the Patient Advocate Foundation? Specialists experienced to deal with health insurance claims may help you to work out your claim, and are ready to give you necessary consultations. Their help is free of charge.