How to Get 100% of Health Costs Paid by Insurance

Health insurance plans are often confusing and complicated, sometimes making it difficult to get certain health care and procedures paid for in full. Patients who are concerned about getting their medical bills paid by their health insurance company and avoiding out-of pocket-costs may encounter obstacles. Nonetheless, with a little education and perseverance, success in pursuing total coverage is possible.

Things You'll Need

• Attorney
• Internet
• Insurance policy

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Instructions

• 1

  If you have yet to seek treatment, review your insurance policy and clarify what the conditions of your policy actually are. Many times, insurance companies will only pay for treatment at approved doctors or physicians, so going to the wrong doctor can result in high out-of-pocket costs for the patient. If you clearly ignore the facts of your policy, it can be extremely difficult to get reimbursed for these costs.

• 2

  If you have already been treated for your condition, make sure any claims are filed properly. This is usually handled by hospital or doctor's office staff, but since the responsibility for payment rests with the patient, it is in your best interest to know exactly what the claim entails. It is unfortunate to have a claim denied over a clerical error that can easily be prevented.

• 3

  If your claim has already been denied by the insurance company, contact them and find out exactly what the reason for denial of coverage. If it is clearly stated in your policy that certain conditions or treatments are not covered, again it is difficult to overturn this decision.

• 4

  If you still feel your charges have been denied without cause, consider hiring and attorney and filing a lawsuit. Health costs are one of the leading causes of bankruptcy, so it is best to take advantage of all options before turning to this type of drastic action. Find an attorney who specializes in torts and insurance cases, as she will know the best course of action towards getting your rightful coverage.

• 5

  If you have exhausted all your options in pursuing coverage from your insurance company, inquire if the hospital you were treated at has programs for assisting those without health insurance or limited coverage. In best case scenarios these programs can even pay for 100% of health costs if you can prove inability to pay.