Having a serious illness is stressful enough. In case it does happen, hopefully your Health Insurance Company will pay the benefits due as outlined in your Health Insurance policy. Here, we’ll look at how you should approach a claim for help that has been turned down by your Health Insurance Company.
Here are some steps to follow:
- Understand what your health policy says –read your Health Insurance policy inside out to make sure you have not misinterpreted any part and that you have red and understood the contents. In particular, you need to see what illnesses your policy covers and what it does not. Also, make sure you have taken into account any policy changes that your Health Care company may have sent you through the post.
- If you still believe your Health Care claim has been wrongly turn down then get in touch with your manager. It is best to call him to make an appointment and when you to go to see him make sure you have the policy documents at hand. This way you can show in black and white that your illness should be covered by the plan. Keep a record of what the health insurance company says to you.
- If your Health Insurance Company still refuses to pay then contact your local state office for further help.
Ultimately, a health insurance provider is obligated to provide the healthcare treatments as required by your contract with them. While the law will support you in the event that they do not, in many cases the healthcare company will put in certain terms and conditions when you sign up which may mean that you think you’re getting coverage on certain things that you actually are not. As a result, it’s important to make sure you understand what you sign up to before signing on the dotted line.
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