Medical claims may be denied for a variety of reasons. Fortunately, there are some ways for patients to appeal a denied claim within six months of the healthcare service. Follow these tips and you will have better success recovering denied benefits from your insurance company.
First, it’s important to understand exactly why the claim was denied. When an insurance company denies a claim they use codes to explain how they arrived at their decision. Look for the explanation of these codes in the explanation of benefits document (EOB) provided by the insurance company. If you need more information, call the insurance provider to ask specific questions.
Then, be sure to provide all missing information to the insurance company. You may need to write a detailed letter that includes your claim and policy number. If the insurance company provides a standard appeal form, be sure to answer all of the questions on the form completely.
If errors were made on the initial claim, provide the documentation needed to make the corrections. This may mean requesting that your provider resubmit information to the insurance company. Even simple, unintended, errors like misspelled names can cause a claim to be denied.
You will need to gather and organize all of the healthcare documentation to show that the services received were medically necessary before submitting an appeal. This includes medical history, prescriptions, referrals, and dates of service. Apex EDI understands the claims process and the importance of keeping all of the medical information organized.