Monday, August 19, 2013

Caring Customers Verify Health Insurance

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 health care and the insurance arenas.  

Your health insurance plan will decide the way your family can access health care. 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 patent'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.

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