You are here: Home Insurance Health Insurance: ... How To Maximize ... How To Change An ...
Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

How To Maximize Use Of A Fee-For-Service (Indemnity) Health Insurance Policy

How To Change An Insurance Company "No" To "Yes".

Next » « Previous

11/13

Fight for a "yes." Studies show that persistence pays off.

Follow the insurance company's appeal process. Pay close attention to the dates set by the insurance company by which various actions must be taken.

  • For policies issued before September 23, 2010: You likely have a right to an internal and and external appeal. If you policy does not mention external appeals, check the law of your state. You can find the law by contacting your insurance department. Contact information is available at www.naic.org offsite link
  • For policies issued on or After September 23, 2010: Thanks to Health Reform 2010, you have the right to both an internal appeal and an external appeal to an independent reviewer.

To learn about time tested arguments to use, see Arguments To Use Against An Insurer’s Denial Of A Health Claim.

If you need it, get help for the fight. Consider:

  • Getting the help of an experienced insurance attorney.
  • Using all sources of influence. For example, if you have your insurance through your employer, ask the person at the company who deals with insurance matters to speak with the insurance company.
  • Speak with your disease specific nonprofit organization. Perhaps they have information that could be useful.
  • Consider applying public pressure via television, radio, newspapers and/or the internet.

Ultimately you can complain to the state insurance department. It supervises all insurance companies which sell insurance in your state. You can find the contact information for your insurance department at www.naic.org offsite link

You can also start a civil action in the courts.


Please share how this information is useful to you. 0 Comments

 

Post a Comment Have something to add to this topic? Contact Us.

Characters remaining:

  • Allowed markup: <a> <i> <b> <em> <u> <s> <strong> <code> <pre> <p>
    All other tags will be stripped.