Below are excerpts from our roadmaps, which are available for download in full text. For your free copy, contact us today.

What to Do with a Denied Claim

Receiving the news of denial of coverage of an insurance claim can be an enormous shock, especially if the claim is a large one. However, you should never assume that “no means no” as far as your insurance coverage is concerned. Appeals are successful in getting claims covered almost 50% of the time, so you should always determine why a claim was denied and follow the process to appeal. Time is of the essence, however, since many insurance companies have a short period under which you can file an appeal.

 

Understand Your Insurance Coverage

Health insurance is complicated. You must understand the details of your own health insurance coverage if you hope to maximize your coverage and minimize your out-of-pocket costs. You must learn the language of health insurance.

 

Glossary of Common Insurance Terms

Admitting Privileges: The right granted to a doctor to admit patients to a particular hospital.. Advocacy: Any activity done to help a person or group to get something the person or group needs or wants. Agent: Licensed salesperson who represents one or more health insurance companies and offers their products to consumers. Benefit: Amount payable [...]

 

Make the Most of Your Prescription Drug Plan

When choosing a health insurance plan, it’s just as important to make sure the medicines you take regularly are covered as it is to know that your doctor is covered. Selecting the right prescription coverage for you and your family is important to maintaining and restoring your health while managing costs. For those without drug insurance, there are many organizations that can help.

 

Filing an Insurance Claim Step by Step

Step 1: To receive your health insurance benefits, you or your doctor must file a claim with the insurance provider. If your doctor is in the plan’s network, his office will generally file the claim for you. If you see a doctor outside the plan’s network, you will probably have to file the claim yourself. Some providers, especially mental health professionals, are outside of any insurance plan, in which you will always have to file the claim yourself, and expect to pay more out-of-pocket.

 

Organize Your Financial Records

You have stacks of medical reports, bills, insurance statements, claim forms, and payment records piling up and causing you stress. Piles of disorganized paper (and electronic records) can surely intimidate any patient. If you ignore the paper, you might not take necessary medical actions or you could fail to maximize your insurance benefits. This roadmap will help you must organize these important documents into a user-friendly system.

 

Find Financial and Practical Assistance

This Roadmap is divided into four sections: Finding Assistance for Medicine and Treatment; Finding Assistance for Practical Needs; Finding Assistance with Benefits or Entitlements; Websites We Like.

 

Choosing Your Primary Care Doctor

Your goal is to choose a primary care doctor who will meet your needs and give you quality care. This roadmap will also be useful in choosing any specialists you might need. Primary care doctors are especially trained to serve as your main doctor over the long term. They provide your medical and health care, help you stay healthy, and help to manage your care. Your primary care doctor can refer you to specialists if you need them. Learn how to choose one…

 

Cast a Wide Net; Explore Your Resources

Undergoing treatment for a serious illness is emotionally draining, expensive, uncertain, and it will almost surely turn your life upside down. Chances are that you will face obstacles and need assistance. Whether that help comes in the form of finding medical information, financial assistance, or emotional support, it’s important to know where you can receive trusted information and guidance.