Will Your Insurance Company Pay Your Hospital Bills?

It is a known fact that most insurance companies, especially the larger ones, love to deny claims and look for any and all reasons to not pay your claims or your hospital and other medical claims. You should be aware of this and you should take certain steps to protect yourself .

For example, a family member goes to the emergency room for a serious emergency. The last thing that you are thinking of is to go to a pay phone and hold on while you listen to recordings from your insurance company and hope that a human being answers the phone. For most emergency rooms encounters, you or the patient can be in the emergency room hours and even sometimes days before you all calm down and relax if the patient is stable.

To stop themselves from paying your claim, most insurance companies have enacted these strict "pre-certification " rules, and rules that you must call them within a certain period of time or your claims might not be paid. Your doctors and hospital bills might not be paid and then you might have to pay it all yourself. This seems highly unfair, especially after you have been paying into these insurance companies for years and years with out of your paycheck deductions. You should be able to use this insurance that you are have already paid for, correct? But the insurance companies, especially Blue Cross and Blue Shield and United Health Care and the other major insurance companies insist that you pre-certify and On time or be denied.

You, as a patient or family member or consumer , need to protect yourself against these unfair denials. How do you do this? There are steps to take and other steps that the insurance company will not tell you about. You can protect your interests. So read my other articles and you will have the answers to your question.

The next article that I write will detail the steps that you need to take to protect you and your family from unscrupulous insurance company demands and against their denials for payments.

Melinda Thomas is presently touring the United States of America in search for information, true stories, inside data on what is happening around the world inside of nursing homes and physical rehabilitation and care centers. The material that she has come across, both through personal inspection, investigation, research and organization, is remarkable in length, content and tear-jerking memories. She hopes that you share your ideas with her as soon as possible. While her subject topics vary from radical consumerism, computers, teamwork and others, she hunts for the truth and the truth is forthcoming.While her subject topics vary from radical consumerism, computers, teamwork and others, she hunts for the truth and the truth is forthcoming. Meanwhile read all the articles and connect with her through her agent at onenewbeginning@yahoo.com

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Air Ambulance Service - Will Your Insurance Pay For It?

In many cases, yes they will.

When dealing with any specialty service, such as an air ambulance service and an insurance company's coverage policy, it is a good idea to gather some information.

A beginning step would be to discuss the medical necessity of your traveling to another medical facility with your current doctor. Your insurance company will require the doctor's input and written determination that it is a medical necessity not only for you to travel, but also that you should travel by air.

A medical necessity might mean that your situation is life threatening and the best facility for you to be at is hundreds of miles away. Perhaps it just that your doctor has determined that your current medical facility can not adequately treat the severity of your situation. In any case, it is your doctor who will determine the medical necessity of your case.

Another step is to see if your insurance policy has an air ambulance benefit, what it covers, what it limits and what criteria must be met if the service is to be covered. If you do find you have air ambulance coverage, dig a little deeper and find out what the benefit limit is and if there is a lifetime, maximum benefit.

Before you select an air ambulance service make sure that the provider will coordinate with your insurance company. Do not count on a company that encourages you to travel first and then deal with claim forms. Insist that the air ambulance company receives authorization from your insurance company first, or you might end up with transportation costs you had not counted on.

For more great information on air ambulance service, see American Jets Inc, the worldwide leader in air ambulance transportation.

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Tips on Rental Car Insurance

Rental car insurance is a gamble. You may get away without it, but the odds are not in your favor unless you have some form of additional insurance. Your regular car insurance policy probably covers any vehicle you are driving, but the gaps in your personal coverage may spoil your trip and cost you a lot of money.

DON'T WAIT until you're at the car rental counter! Make a couple of phone calls to your insurance company and the major credit card company you'll be using for rental. Ask what is covered and what isn't. My guess is the list of rental car insurance questions is longer than you think. Don't feel alone in your confusion. Most people wouldn't even think to ask about some of the possible gaps in coverage.

Here are some coverage items you need to ask questions about:

1) Am I covered if I have an accident that results in the "loss of use" of the vehicle to the rental car company, while the car is being repaired?

2) Am I covered for theft or vandalism to the car or my property?

3) How much coverage do I have on my current automobile, in terms of comprehensive and collision. If you've dropped either to save money, your rental car insurance is not going to have either coverage.

4) Who pays for administrative fees, towing fees, diminished value of the rental car due to an accident, medical and ambulance fees or damages to private property.

5) Am I covered if this is a business trip, rather than a recreational trip?

Fortunately, most of these questions are easy to answer. Between your credit card company, auto insurance firm and your homeowners insurance policy, most of these areas are probably covered. If you still have some doubts about an accident, ask the rental car company about a loss damage waiver (LDW).

An LDW is technically not a rental car insurance product. It may cost you a few bucks a day, but it will protect you if the rental car is damaged or stolen.

After you've done some planning, you may find that no additional insurance is necessary. Between your credit card firm and your regular auto insurance policy, you may have all the bases covered and you can just have some fun on your vacation. When in doubt though, ask your regular insurance company for a temporary insurance rider. It's a lot cheaper than shelling out the big bucks if you do have an accident.

My name is Steve Benedict and I help people save money on auto insurance. I want you to benefit from the mistakes I've watched others make, and learn insider secrets that it took years to perfect. Whether you're "just curious or really serious", visit my website right now, while you're thinking about it: http://www.carinsurance-journal.com/

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Immigrant Insurance - A Great Beginning to the American Dream

When an immigrant to the U.S. first encounters life as an American, he/she should be well placed to handle all the changes in life that being an immigrant brings with it. To help matters in the health department, immigrant health insurance is a must.

To enjoy life as an American, it is essential to ensure that health costs don't spiral out of control. These insurance can help in this regard. What's more, some plans, called guarantee issue plans, are designed in such a way that they accept all applicants.

Unplanned medical expenses are generally covered by immigrant insurance. That includes emergency evacuation and accidental death and dismemberment, apart from the medical costs related to inpatient and outpatient care, diagnostic tests, prescription drugs, surgery, and ambulance services.

Physiotherapy, chemotherapy, and radiation therapy are also covered by some insurance plans for immigrants. Dental care is included if the damage is to the natural teeth, and mental disorders, drug and narcotic abuse and maternity are all covered if conditions are satisfied. What is not covered? Routine medical care, optical care, previously existing conditions, and cosmetic surgery are generally excluded.

These plans can offer fixed benefits or comprehensive benefits. Fixed benefit plans, or scheduled benefit plans, feature a limit for each medical service, and are less expensive. Comprehensive benefit plans, however, cover the plan holder for up to the policy maximum for any medical service, unless otherwise specified.

The typical duration of an immigrant health insurance plan is around a month to a year, with plans available for up to five years. In most plans, you can choose the deductible you want. Renewal procedures and rules may be different for each plan.

Insurance companies come in many shades, and chances of prompt claim settlement depend on how the insurance company is rated. A.M Best Company's ratings will help in this regard. It is best to be knowledgeable about a company's status to avoid disappointment later.

Whether immigrant health insurance is purchased prior to departure or after arrival in the United States, it is essential that the coverage fits the needs of the plan holder. It is imperative to maintain insurance, and strike that off the to-do list!

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