Health Insurance Claim Process: A Step-by-Step Guide

You carry health insurance to protect yourself against the high cost of doctor visits, specialized care and hospital stays. So when you do have a claim you want to make sure you are reimbursed as quickly as possible. Understanding the claim submission rules established by your insurance company, and providing all the required paperwork the first time is essential for the timely payment of the claims you submit.

Instructions

• 1

  Gather all of the bills and receipts related to your medical care. This could include billing statements from your doctor, receipts for the purchase of prescription drugs and purchases of medical supplies and equipment.

• 2

  Look at your insurance card and find the toll-free number or the website address. If you have established online access, you can log on to your account to get the claim forms you need and start the submission process. Otherwise you can call the toll-free number on the back of the card and ask for the forms you need.

• 3

  Complete the claim form for each incident for which you need to be reimbursed. If you are requesting reimbursement for several different doctor visits or treatments, you will need to complete a separate claim form for each one.

• 4

  Make copies of all your claim forms and receipts. Mail the original claim forms and the original receipts and backup paperwork to the address listed on the form.