Cervical Herniated Discs
Medical insurance helps you get the treatment you need. But there are times when your insurance provider might not agree with your doctor's recommendation. Knowing how to communicate effectively with your insurance company can be the first step toward a successful claim resolution.
Your health insurance policy is a contractual arrangement between you and your insurance company. Your policy will list the services that are covered and those that are not. Both you and your insurance company are bound by the terms of the agreement.
The way your relationship with your insurance company should work is:
Sometimes, your insurance company may not be willing to provide coverage for a treatment or surgery. Possible reasons include:
Insurance companies are required to provide their covered members with a process for reconsideration and review of any adverse decision or claim denials. They also must provide information about this review process.
By providing the right information according to the insurance company's policies and procedures, policy holders are often able to overturn a claim denial.
If you decide to appeal, you will need to communicate clearly your reason(s) for doing so and be able to produce documentation to support your claim. This might include a Letter of Appeal (from you or your doctor) and a Letter of Medical Necessity (from your doctor), and any other paperwork your insurance company may require.
In instances where new technology is an issue, you may want to include copies of peer-reviewed journals and clinical outcomes data regarding the treatment that has been denied coverage.
Information on this site should not be used as a substitute for talking with your doctor. Always talk with your doctor about diagnosis and treatment information.