How to Avoid Rejection of a Health Insurance Claim? 

If you've ever applied for health insurance and been rejected, you know those constant rejections can't be easy. First, there's the anxiety of waiting "just in case" the insurance company changes their mind — what if they don't? Then, there's the headache of scrambling to find a new plan with more "room for error," which is a huge hassle. We at Life Matters Claims offer relaxation forms for Rejected Insurance Claims. Our claim advocates can help ensure that your insurance claim is processed appropriately, and our customer service representatives are available 24/7 to offer prompt support.

Things To Keep In Mind About Rejected Insurance Claims

1. You Don't Have To Wait

What if you have a medical problem and the insurance company denies your claim? If you have a medical condition that will affect your life, you don't have to wait "just in case" the insurance company reconsiders their decision. If your claim is denied, we are here to help. That's why our claims advocates are available 24/7 (including weekends and holidays).

2. There's A Reason For the Denial

Insurance companies reject claims for a reason. They usually don't want to pay out benefits for a certain illness or injury. But this is good news. Your claim can potentially be approved when proper documentation is provided to show why you need those benefits.

3. Don't Panic

When you Rejected Insurance Claims, you might feel your world has collapsed. But you don't have to take it personally. Insurers also make mistakes and are not always malicious toward their customers. If your claim is denied, the first thing to do is check the small print on your insurance policy. Maybe a pre-existing condition exclusion or something else prevented the insurance company from approving your claim without proof of treatment or a new medical condition that was missed in the original application process.

4. Check Your Policy

Check your insurance policy if your claim was rejected in error. Perhaps you have a pre-existing condition exclusion which allows the insurer to deny claims for certain medical conditions without proof of treatment or a new medical condition. If this is the case, your claim will most likely be approved once you provide proof of treatment — and the insurance company will pay out benefits retroactively.

5. Renew Your Insurance

There's no reason to wait until next year if you have Rejected Insurance Claims. If you're about to renew your insurance, now is the time to switch plans before that new start date. If you're still on your old plan and have had a similar claim in the past, the lawsuit option will be available to you. 

What Can Lead To Rejected Insurance Claims?

1. Denied Coverage For Pre-Existing Medical Conditions

When your insurance company denies your claim because you have a pre-existing condition, they might have a different interpretation of what a pre-existing medical condition is. They might even think you're trying to "game the insurance" to get sick before your policy kicks in and you need the coverage.

2. Life Events Are Unforeseen And Irregular

Suppose you are waiting on an insurance company to approve your claim because your spouse left you, you lost your job, or a natural disaster uprooted your family. In that case, the insurance company might reject the claim. Life events are unforeseen and irregular, so most insurers look for a down payment for medical expenses in the form of savings (in much the same way that you might go to a bank for a loan).

3. Waiting A Year For A Coverage Change Is Not Normal

You might have been waiting a year to switch plans because you thought the costs were too high, but if your claim was denied, you don't have to wait another year. The sooner you speak with your insurance company and ask why they rejected a claim you filed last year, the better. Rejected Insurance Claims can happen to anyone, so we're here to help you.

4. Using A Claim Advocate Is Not The Same As Using A Lawyer

You might be familiar with the concept of a "claims advocate," but you might not be sure what exactly one is. A Rejected Insurance Claims advocate represents you when you file a claim with your insurance company. That person can help you navigate your insurance policy, find out if there were any mistakes made during the application process, and help ensure that your claim is properly submitted.

Conclusion:

We at Life Matters Claims are here to help you get the benefits you deserve. We know it's not fun to be rejected for health insurance, and we want to ensure your life is still in good shape. Contact us today at tel:1300784108 and let us help you breathe a sigh of relief. Our advocates can help you with your rejected insurance claims.