You just got off work and it is a beautiful Friday evening. You and your family have a camping trip planned for the weekend out in the beautiful springs (or mountains if you live near some mountains). You're packing and constantly having to make trips up and down the stairs with the luggage for your kids, when all of a sudden, you stumble over some building blocks that your 6-year-old left in the middle of the stairs...
...next thing you know, you're in the hospital with a broken ankle.
What a weekend! Sometimes we don't think twice as to when or how our insurance companies pay medical bills on the backend. Even for something that we think is as simple as going to a counseling session to seek help.
But the question remains, why DO insurance companies deny claims? What's the most common reason?
Let me introduce you to my friend... the coverage disavowal.
A health care coverage disavowal happens when your health care coverage organization will not compensate for something. On the off chance that this occurs after you've had the clinical help and a case has been presented, it's known as a case refusal.
Safety net providers additionally, here and there, state early on that they won't pay for specific help, during the pre-approval measure; this is known as a pre-approval—or earlier approval—disavowal. In the two cases, you can bid and might have the option to get your guarantor to turn around their choice and consent to pay for at any rate part of the assistance you need.
So how can you fall into denial? Here are a few common denials are listed below:
Timely filling limit Expired
Member not identified as insured
Member is not eligible for service
Service not covered by payer
Hope this helps!