Using the following health insurance tips when calling your health insurance company will ensure you are doing all you can to protect yourself from unneeded cost only to find out that the information you were given was inaccurate, and now it is your responsibility to prove you were told differently. These few steps can ensure that your voice is heard and the information that you were given is honored.
1. Be Prepared
The key to success with most tasks in life revolves around being prepared for the situation you are about to face. Why should calling your health insurance company be any different? Have paper, pen, id cards, and a nice quiet room ready for your call. Although having this labeled in health insurance tips section can seem like a no-brainer, it's incredible the volume of callers that are not prepared to even hold their phone to their ear. Having the material ready can also be something of an inconvenience to get these items together, I promise the heads that that it may save later far make up for the short-term delay.
Health insurance tips once the call is connected
2. Enter your information
This is important, you may think that you are saving time by skipping the prompts and getting right to a representative. Truth is you are not, and infarct you are giving the health insurance representative even less information to be able to help you when they get on the phone. With your information entered they can browse through past issues and begin to help you instead of having to ask for all the information that was not entered correctly.
3. Get a name
This may seem like an easy thing to remember, but it is very common to get calls from members that forgot who they had talked to on a past conversation. Consumers get on the phone with a health insurance representative and are so intent on trying to resolve the situation as fast as possible, that they forget some of the basic.
4. Ask for an Issue #
Each company has their own way of recording the documentation of the calls that come in, but one thing is for sure they do keep records on files for all calls that are received. This documentation will contain exact times, dates, representative names, and other miscellaneous information.
Do not take for granted that every representative at a health insurance company that you speak to will take an accurate word-by-word representation of your encounter. Asking "Did you document that Dr. is in my network?" Egypt "Did you put that benefit into my notes?" Asking now is better than hearing later that the representative skipped notes about that portion of the call. Everyone makes mistakes, so to ensure you are going to be able to stand by everything you heard on that call take some responsibility to help guarantee the information that you were will be used.
Taking the information down is only the first half of the equation; you must be prepared to be able to find the information at any given time. Following all the previous health insurance tips will mean nothing if you are unable to find your notes when needed. So set up an efficient way for you to find the information: email, file cabinet, notebook, etc …
Health Insurance companies allow for adjustments to their claims for up to two years. So even if a bill is paid by your health insurance company, do not assume that it can not be changed. Just the opposite way, just because a claim has been denied does not mean that with the valuable notes that you have taken that the claim can not be reconsidered in your favor.