03. How can I check with my insurance company to make sure they will cover the services I received?
A customer service telephone number is listed on most health plan ID cards. Before you call, have the following information available: your insurance card, dates of service, provider name, the original billed amount, patient name and claim number, if applicable. Remember to write down the name of the person you spoke to at the health plan. If your claim has not been paid, ask what is needed for the claim to be paid. Other key questions you may need to ask the health plan’s customer service representative include:
Have you received the claim for these services?
Am I covered for these services?
When will you pay the provider for these services?
Note: If the bill is not paid in the stated timeframe, check with the health plan again and, if necessary, request to speak to a supervisor.
What portion of this claim will I be responsible for paying?
What is the status of the account?
Note: If paid, ask for the date it was paid, the check number, to whom it was paid and the mailing address of the check.