Upon obtaining medical services, you may often have to go through a reimbursement process which is known as the Health Insurance Claim. It is a process where you request for reimbursement or direct payment and this process can be done either online or in person, with your insurance agent or company. Whether you choose the online or offline method, you would have to go through certain steps to make sure there are no hassles in receiving your claim. These are the steps that you can follow:
Get Itemized Receipts
The first, and most important step, is to ask your doctor for an itemized bill. This keeps track of all the services that your doctor or hospital has provided. It lists the date, time, and cost of each service. You should also add the bills and receipts of medicines or drugs purchased or any other tests done, outside of the doctor’s clinic or hospital. Keep these receipts intact as you will need to attach them with the claim form or upload them separately, in case you wish to process it online.
Fill out Your Claim Form
You can find a claim form either at the office of the insurance company or even download it from their website. If you want to file your claim online, the company will direct you to the webpage that will help you process it. Once you’ve got it, you need to fill it with the correct details.
Make Photocopies
Once you’ve filled out all the forms and kept the receipts ready, before you submit them, you need to get photocopies made of these documents. Not only will it eliminate any errors or mistakes made during the process, but it will also help you re-file your claim, in case it gets lost. An alternative to making photocopies is to scan all the documents and save them on your computer. Make sure to keep two copies in two different locations, in case your computer encounters any kind of issue. This can help you track all your medical expenses.
Review Before You Submit
The last step of your claims process is to make sure that all your documents are accurate. Before you click ‘submit’ online or drop the envelope at the office, remember to check if you’ve signed in all necessary places.
