Health Insurance Claim Rejected? What You Should Do Now

When you buy a health insurance plan, you expect it to be there for you when you need it most. In exchange for your monthly premiums and a certain deductible and co-insurance percentage, you are purchasing financial security in the event of a severe health issue. Treatments for major conditions like cancer can cost millions of dollars. In an attempt to maximize their revenues, health insurance companies seek to pay out as little in claims as possible. While detecting health insurance fraud is a laudable goal (and catching medical fraud helps everyone save on individual health insurance premiums), innocent people get caught in the crossfire. There are several reasons why your health insurance claim may be denied:

Far too many people are unaware of their options after a claim denial. Instead, they give up–a decision which costs them tens of thousands of dollars. Health insurance companies, including major providers like United Healthcare, have appeal procedures. Sometimes it will take multiple appeals for you to get your claim covered by your health insurance. Persistence is well worth it! Follow these tips to increase the likelihood of your appeal succeeding:

(Image: Steve Weaver under CC 2.0)

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