How to File a Health Insurance Claim Form
A health insurance claim is when you request reimbursement or direct payment for medical services obtained. The way to obtain benefits or payment is by submitting a health insurance claim via a form or request. There are two ways to submit your health insurance claim.
What Are the Options to File a Health Insurance Claim?
- The first way and the most convenient is when your medical services provider can submit the claim directly to the insurance company through the network electronically.
- The other way is by filling in the health insurance claim form and sending in the paperwork yourself. If your health service provider is not in the network for your health insurance company and can not file the claim on your behalf, then you will have to file a health insurance claim form to request payment for the medical services obtained.
What Kinds of Information Do You Need to File a Health Insurance Claim Form
If you have to file your own health insurance claim here are the steps you will need to take along with some helpful tips on submitting your insurance claim form. In order to complete the steps, you will need to understand your medical bill. You will also need to have some basic information to fill the form out.
List of Things on a Health Insurance Claim Form:
The claim form should be fairly self-explanatory to fill out. It will ask things like:
- your insurance policy number, group plan number or member number
- who received the services (for example if it was the primary insured or a dependent like a child, spouse or domestic partner)
- if there is co-insurance or dual coverage
- what was the visit for (accident, workers compensation), etc.?
4 Steps to Filing Your Health Insurance Claim Form
- Obtain Itemized Receipts
You will need to ask your doctor for an itemized bill. An itemized bill lists every service that your doctor provided and gives the cost of each of the services. Make sure any medications or drugs provided during any treatment are clearly listed with itemized costs. Your health insurance company will need you to attach the original itemized bills to the claim form. - Get Your Claim Form
You will need to contact your insurance company to obtain a health insurance claim form or download a copy from their website. Your claim form will also give you additional instructions pertaining to what other information they may need from your doctor or healthcare facility.
4 Steps to Filing Your Health Insurance Claim Form
- Obtain Itemized Receipts
You will need to ask your doctor for an itemized bill. An itemized bill lists every service that your doctor provided and gives the cost of each of the services. Make sure any medications or drugs provided during any treatment are clearly listed with itemized costs. Your health insurance company will need you to attach the original itemized bills to the claim form. - Get Your Claim Form
You will need to contact your insurance company to obtain a health insurance claim form or download a copy from their website. Your claim form will also give you additional instructions pertaining to what other information they may need from your doctor or healthcare facility. - Make Copies
Once you have your claim form filled out and your itemized bills from your doctor, don’t forget to make copies of everything. It will eliminate any errors that may be made in the claim process and make it easier for you to re-file your health insurance claim if it gets lost. You may want to contact your health provider if you need clarification. This will avoid having your health insurance denied for incorrect information. - Review then Send
To make sure everything is completely accurate, call your health insurance company and tell them you are about to send in your health insurance claim form. Review with them all the paperwork you have and ask them if there is anything else you need. Also, ask your insurance company how long should you expect to wait for your claim to be paid and mark that date on your calendar. Once you have everything in order, send out the claim form to your insurer.