• 29
  Sep
  2009

• Filing health insurance claims - Part 7

  Filed Under: Health Insurance

Getting a denied claim after making a (seemingly) valid health insurance claim can be quite a nightmare. If the insurance company doesn't pay, the debt is on you. As an international student studying in the USA, medical emergencies might not always be factored into your study budget. But, not paying might affect your credit worthiness. So, what do we do now? Is everything lost?

Thankfully, no. A denied claim is not the end of the world. There are ways to still get it reversed. Here are some tips to proceed in this scenario.

1. Many times, a denied claim is nothing more than an administrative error. A simple phone call to the insurer's help desk can fix more that you would believe.


2. If you feel the insurer is being unfair in denying a claim and you are authorized to receive the payment, try calling the help desk again. If they do not respond properly, there are government offices in every state in the US to facilitate and regulate insurance claims. File a complaint and another expert will look into the issue and try to find a solution.

Usually, if you appeal, some more documents will be requested, the issue will be looked into once more, and there is actually a chance the claim might go through. It might take longer, but isn't it better than nothing?
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