Plastic surgery blog:When insurance won’t pay

stressed man Plastic surgery blog:When insurance won’t payAccording to CBS 8 each year, the National Association of Insurance Commissioners (NAIC) compiles a list of the most common complaints that consumers have with their insurance providers. The list is a compilation of records from state insurance departments, which are one of the primary tools that individuals can seek help from when they feel an insurance company isn’t treating them right. (Why buy for health insurance when your parents’ policy can cover you? Read on to avoid paying twice. See Health Insurance Tips For College Students.)

Keep Pristine Records
When it comes to claims, the work you did before an accident occurred can be vitally important.

Take Advantage of the State Regulator
Taking an insurance company to court should be used as a last resort as it can tie up a claim in court for many years and seriously delay receiving needed funds to replace a home or pay medical bills.

Know Your Insurance Policy and Rights
A thorough review of an existing or new insurance policy will offer some of the best insight into what’s expected if an individual needs to make a claim. Details on what is covered, what needs to be done to file a claim, how quickly a claim must be submitted and what the process is to estimate damage reimbursement amounts are all contained within. 

Be Persistent
At its worst, encountering difficulties in getting an insurance firm to honor their claims obligations can be an extremely frustrating and time-consuming process. 

The Bottom Line
Studies also exist that rate individual insurance providers, so it may be a good idea to do a background check on your current provider and refer to these studies when searching for a new provider. Again, most insurance claims are handled properly and in a timely manner, but it helps to be aware of the challenges you might encounter if the process doesn’t go as smoothly as it should.

No one likes a fight, especially when it comes to insurance. Dr. Stuart Kincaid and his staff will help patients to collect the necessary paperwork required for insurance approval when applicable. Some procedures like breast reconstruction are cut and dry concerning insurance approval. Other procedures such as breast reduction can be much more challenging. Patients should always be prepared and do their due diligence in obtaining approval prior to their procedure.

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