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Insurance Tips

Having an insurance claim rejected is extremely frustrating and often infuriating, or both for you and your physician. However, you do not necessarily have to take no for an answer. The following are a few points to assist you regarding insurance claim submissions.

  1. Know your policy: All too often, it is a case of just not knowing your policy coverage (annual deductible, co-pay, coverage limits, etc)

  2. Check the codes: Current Procedural Terminology (CPT) codes reflect the medical treatment received. A common problem involves an incorrect CPT code. Make sure the CPT codes are the same on both the doctor’s bill and the rejected claim form.

  3. Provide more detail: If your claim has been denied, ask your physician to provide additional documentation.

  4. Ask for a review: If you think a mistake was made by your insurer or if the claim continues to be dismissed, ask for a review by a supervisor.

  5. File a complaint: The State Insurance Commissioners Office will investigate whether an insurer is using current data and reimbursing fairly. The National Consumer Help line at 800.942.4242 provides advice on resources and referrals.

Please keep in mind that your insurance policy is an agreement between you and the insurance company. It is the insurance company, not the provider, who decides what is covered by your health care plan. Because of this, some services which have been ordered may not be covered. Your knowledge and compliance to your healthcare plan will help prevent unexpected charges to you.

Heartland Women’s Health Care’s administrative office (816.413.7242) can help answer questions you may have regarding your insurance claim.

 

North Kansas City Health Services Pavilion I 2790 Clay Edwards Drive, Suite 530 I North Kansas City, MO 64116
816.452.3300 I fax 816.453.0677
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