Dealing with a seemingly uncooperative health insurance company can be incredibly frustrating. While health insurance policies are just trying to protect their assets, it can be hard when an agent tells you that he or she will not be resolving your claim. However, there are numerous ways to handle a claim dispute that don’t involve blowing your top. One of the most important things to know is that you must remain calm and patient. The more frustrated and angry you grow, the harder it will be to resolve your claim. In the end, the more calm and diplomatic you are, the easier it will be to get part or all of your claim covered. Here are five tips for resolving a claim dispute with your health insurance company.
Research your policy. The more you know about your policy, the quicker and faster you will be able to resolve your dispute. When it comes down to it, your insurance policy may not cover your particular claim. If you find proof of this in your policy, you may be able to point it out and hope that your insurance provider has some sympathy. However, you may find proof that your policy does cover your claim, which should clear your dispute.
Don’t shoot the messenger. When it comes down to it, the person you are speaking too on the phone is not the person who is deciding what is and isn’t covered, so don’t lose your temper – it will only worsen your cause. What you want to do is stay calm and as level headed as possible. The least you will get is a little more information about your claim and the most you will get is a transfer to another department where you will have your claim settled.
Be persistent. It may take a few months to have your claim resolved, but if you remain persistent and stay on top of the dispute, the greater your chances of having the dispute resolved and the case closed. While you don’t need to repeatedly call every day, you do want to stay in touch with a representative and you want to keep asking them questions. You never know when your insurance representative has new information that could possibly resolve your claim.
Talk to another insurance agent. If you search “Jaquennette Harris Allstate Agent” online, you will see that she is experienced in the realm of multiple insurance coverage plans. So, you may want to ask her, or another agent with an equal amount of experience, if your insurance policy should cover your particular claim. You may just realize that you are in the right.
- Prevent disputes in the first place. When it comes down to it, one of the best ways to resolve a dispute is to prevent them from happening in the first place. One of the best ways to do this is to make sure you know everything about your health insurance policy. The more research you do, the better off you will be when it comes to future disputes. At the end of the day, nine disputes out of ten are the result of simple misunderstandings.