Posts Tagged - ‘health insurance advice’

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Don’t Delay Filing Out-Of-Network Health Insurance Claims

Monday, July 12th, 2010

Image: anomalous4 under CC 3.0

Some health insurance plans–especially high-deductible ones such as health savings accounts–allow patients to go outside of their provider networks to utilize the doctors and hospitals of their choice. Normally, this costs more to consumers; however, the increased freedom is nearly priceless to some.

In most cases, your health insurance will cover at least a portion of the cost of out-of-network care. Unfortunately, you are responsible for submitting the claim paperwork yourself. Check your policy for information about deadlines–if you miss the timely filing limit, you may end up having to pay the whole bill out-of-pocket!

While it’s usually possible to file a dispute or appeal with your insurer, doing so can have a negative impact on your credit rating.

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Facts About Health Insurance Rescission

Tuesday, July 6th, 2010

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One of the worst things that can happen to a person affordable health insurance-wise is having their policy rescinded. In many cases, they are kicked off their plan through no fault of their own.

The good news is that reform will both prevent the practice of unfair rescission and make it easier to gain justice.

The facts about the new regulatory climate:

  • Insurance companies now have little legal justification for dropping people: they will only be allowed to do so due to nonpayment or fraud.
  • The definition of fraud is also clarified. It consists of actively lying about any pre-existing medical conditions or diagnoses you may know have. Having a condition you don’t know about (even if it’s in your medical records, but a doctor hasn’t informed you of it) doesn’t count.
  • For consumers, the appeals process is also strengthened. Health insurance companies must give them at least 30 days advanced notice before canceling a policy.
  • The new rules take effect in late September.

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Can You Buy A Health Insurance Policy If You Don’t Speak English?

Thursday, June 10th, 2010

Image: Daquella manera under CC 3.0

Immigrants looking to buy a health insurance plan face several challenges. One of the most striking is the language barrier in terms of the actual policy. Most of those terms are written in English. Even those who are fluent in the language may be more comfortable and secure interpreting legal contracts in their native tongue.

Many insurance agents speak foreign languages, and they can explain the provisions to you. Due to the demographics of immigrants in the United States, it is most common to find a Spanish-speaking agent. However, they are also available in Haitian Creole, as well as other languages depending on the area. Otherwise, you may choose to seek a translator (either a family member, friend, or professional) to help you purchase health insurance.

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