How to Make a Health Insurance Claim

How to Make a Health Insurance Claim

If you work with a private health insurance provider, like Ethniki Asfalistiki, you may need to claim certain services, like visits to a specialist and certain surgeries and tests, before your company helps pay for them. If you’ve never filed before, there are a few steps you need to take before getting accepted for the claim you’re making.

Get a Referral

Before you can file the claim, you need to be referred by your physician to your specialists. They need to sign a form agreeing that your medical history warrants a trip to a specialist. Some physicians charge a small fee for having this done; it just depends on the network you use.

Check Coverage

Once you have the referral, or while you’re waiting for it to transfer, it’s a good time to check your coverage. Different health insurance companies offer different services. Your surgery or visit may or not be covered under your current plan, and it’s important to figure out how much you need to pay out-of-pocket.

Transfer Information

Once you’ve checked with your provider, it’s time to send them the information about your visit. Filling out the form that your provider uses completely and thoroughly is the best way to avoid a hold up. You might be asked for specific details about your case and should do your best to give as much information as you can, including policy number, HealthCare provider information, information about your condition, and how much you already paid for the visit.

Keep Records

After you’ve gathered all the necessary documents and information your provider needs, you can scan the documents and mail them over. Keeping a copy of the pages you send is important, as you won’t be receiving them back. It’s good to keep a record of health insurance information to avoid mishandling of your case. Once that’s set, you’re likely to hear back from your representative about how much they can cover and how much you owe.