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Asking for More Money From a Claim

Medicare supplemental insurance policies provide the opportunity for policyholders to personalize their medical insurance policy plan to fit their every need and concern. There are a wide range of supplemental plans to choose from, so knowing your specific current and future needs are imperative when purchasing supplemental policies in addition to your medical insurance policy. Each supplemental policy plan you find will offer a different type of additional coverage, at various premium costs. It is important that you keep in mind your financial ability when determining which supplemental policy is right for you.

Under your supplemental insurance policy, you have the same rights as you do under your standard medical insurance policy. One of the most important aspects of this is the fact that you do have the right to file a claim under your supplemental insurance policy at any time. There are many different ways that you are able to proceed in filing a claim. You are able to file a claim through your trusted insurance agent, by calling in directly to your insurance company, or by the ease and convenience of online tools allowing you to file a claim online.

What to Expect

Once you have filed a claim, the insurance company must determine if your claim for coverage falls under the terms and conditions of your policy language for coverage to be extended. In order to do this, the insurance company must investigate your claim. They will contact your medical physicians directly to obtain information on your ailments, symptoms, diagnoses, treatments, and prognoses. They will request sensitive information such as x-rays, lab results, and doctor's notes to determine if the medical treatment you are seeking falls under the coverage allotted by your supplemental insurance policy.

This investigation period must be complete prior to your insurance company providing coverage. In most cases, this process is very quick and will not delay the process of obtaining coverage from your supplemental insurance policy. However, there are times when the investigation period may last longer. In order to help quicken the process, be sure to be completely honest and forthcoming with your insurance company. Should they discover any omissions, falsified statements or information, or inconsistencies, they might have the right to deny coverage based on various invalidations surrounding your supplemental insurance policy.

Coverage Funds Provided

When your supplemental insurance company has determined that your ailments, diagnoses, and treatments are reasonable and covered under the terms and conditions of your medical insurance policy, they will begin the process of extending funds to cover the medical expenses. In this process, your insurance company will work directly with the medical billing companies and providers to ensure that your medical treatment bills are paid. It is important to be aware that there are times when your insurance company may cut the price of some of the bills; however it is also important to know that your insurance company will generally do with after negotiating prices with the medical billing professionals.

If you are asking for more money from a claim, you will want to speak with the representative that is directly assigned to handle the investigation and payments on your claim. You will need to notify the claim representative of the amount of additional money you are requesting from your claim, as well as the reason behind the request. If your request is possible, the insurance representative will work directly with you to provide the necessary requested funds. Your Medicare supplemental insurance company works diligently to ensure that you and your medical health are protected and covered.

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