Do you have to file all your claims health insurance?
1. Preventive care: Most health insurance plans cover preventive care services, such as annual physicals, well-woman exams, and immunizations, without requiring you to file a claim.
2. Routine checkups: Routine checkups with your doctor or other healthcare provider may be covered by your health insurance plan without a claim.
3. Small medical expenses: If you have a small medical expense, such as a copay for a doctor's visit or a prescription medication, you may decide to pay for it out of pocket rather than filing a claim.
4. Expenses covered by other insurance: If you have other insurance coverage, such as workers' compensation or auto insurance, you may not need to file a claim with your health insurance provider if the expense is covered by the other insurance.
5. Expenses below your deductible: If you have a high deductible health plan (HDHP), you may choose not to file a claim for expenses that are below your deductible. This is because you would have to pay for the entire cost of the expense anyway.
6. Emergency department visits: If you visit an emergency department, your health insurance provider may cover the cost without requiring you to file a claim.
However, it's important to check with your health insurance provider to understand the specific requirements and rules for filing claims. Some plans may have limits on the types of expenses that are covered or the time frame in which you need to file a claim.