Dental and health insurance coverage helps people stay healthy and get the help they need. Insurance coverage can be purchased by anyone on their own through savings plans or get coverage through their employer. Dental insurance helps to defray a portion of the cost of dental care for a monthly premium. It is up to a consumer to pick the type of insurance he wants based on need. Depending on the type of policy, consumers may have to file claims on their own.
There will be instances when an insurance claim is denied after being filed. It is essential to look at the paperwork and refile to avoid footing the entire cost of dental treatments.
The reasons for denying a claim are quite a few. Some of them are:
It is important to follow up and find out why a claim was denied. Make a phone call first and follow it up with a letter. Before writing a letter, read your insurance policy thoroughly and understand your rights – this will help in figuring out which part of the policy was violated, resulting in a denial. Here are the steps to follow:
1. State the fact: Make sure to include your name and address and the policy number. Mention the facts of the case and why the procedure should be paid for.
2. Include paperwork: Get all the relevant documents and facts from the dentist’s office. Include this with the letter – this will ensure that the case is not thrown out on a technicality. Wrong codes can be entered by mistake and this can be fixed.
3. Keep it short: Keeping the letter short and to the point will help a case representative deal with issues effectively and fast. The letter is sent to help you get your problems resolved.