How to ask for money from an insurance claim
The great thing about Medicare supplemental insurance is that you can personalize your insurance packages to fit your every need and concern. As you know there are a wide variety of packages that you can choose from, so having a good idea about your needs is an important first step when setting out to buy your supplemental policy.
Each Medicare supplemental insurance package that you come across will offer a different type of additional coverage to Medicare and of course all of them will be priced differently. Perhaps the most important step is to keep in mind exactly what you can afford each month for your supplemental insurance package.
Another important aspect to consider is that you retain the same rights under your Medicare supplemental insurance package as you do under your regular insurance. One of those rights is that you can file a claim any time you wish. There are a variety of different methods to file a claim such as calling your company directly, or as of late, simply filing the claim online.
What you can expect when asking for your money
Immediately after you file your claim your Medicare supplemental insurance provider will determine if your request falls under the terms and conditions as outlined in the contract that you first signed when joining the program. Your insurance company will first contact your physician directly to assess what your treatment was and whether or not it warrants a reimbursement. While doing this they may ask to access information such as your lab results, x-rays, and doctor’s notes. From this information they will decide if they are required to pay for that which was not paid by your standard Medicare insurance.
This research period is mandatory, and it must be completed until any payment is sent to you. Despite the long drawn out process that insurance companies are famous for, this particular process is usually pretty quick and you will receive your repayment in as little as two weeks. However, as all things go, this investigation period may last much longer than that. The best way to hasten the process is to be completely honest with your insurance provider. If they come across any falsified information they might retain the right to deny you repayment based on any information that you purposely or mistakenly withheld.
Those funds which are provided
Once your Medicare supplemental insurance provider concludes that you have provided honest information without withholding anything that might delay the process, they will move forward with the re-payment of your coverage. When this happens, your insurance company will contact your physician’s office directly and begin the process of paying off any superfluous bills that you have paid out of your own pocket. At this time your insurance company will try its best to obtain any discounts on the medical bills that were accumulated during your visit.
In a case where you are asking for money from a specific claim, the best course of action is to speak with your supplemental insurance representative and obtain the information directly from him or her. At this time you will tell the customer service representative the total cost of additional funds that you are requesting based on your claim as well as specific reasons as to why you are doing so. If the insurance company deems your request as acceptable they will work directly with you to refund you any payments that you have made that they are required to cover. When you choose a trustworthy Medicare supplemental insurance provider from our website they will usually work diligently to refund any money that you have paid into your medical bills that they are responsible for.