We are all aware of the importance of visitors health insurance for anyone who is planning to visit and travel to USA or any other foreign nation as a visitor for a short term duration, whatever the reason of visit may be. But, before one buys adequate visitors insurance coverage for the duration of stay in America, one should also thoroughly understand the visitors insurance billing and claims process involved.
Billing and payment process for medical services
When you visit the physician/hospital, the customer should show the insurance card to the reception or billing department. The hospital authorities will take a photo-copy of your insurance card and call insurance company to validate your policy. They will invariably send the medical bill to the insurance company directly, in which case you will just have to pay the deductible amount.
In some instances the hospital or medical practicioner’s office will not accept insurance card and they may insist that the customer pay the billed amount directly to them. In this case the customer should get detailed bills and provide them when filing the insurance claim.
You should collect all the bills, receipts and any other relevant documents. Inform the insurance company about all appointments and visits, this will help speed up your claim process.
Filing a Insurance Claim
An insurance claim form is usually sent to the customer along with the insurance card. In the event that the customer does not have a claim form, it can be obtained either from the insurance company website, or by calling the insurance company and requesting them to mail it. The customer should file the claim within the specified period since the medical service was used.
Insurance Claim Evaluation
The time taken for evaluating an insurance claim varies for each case, depending on the specific situation and on providing all relevant documents. The process might take as less as a few days, but can also extend to over a month depending on the circumstance.