Short Term Health Insurance Blog
Wednesday, April 26, 2017
Pre-Certify for Successful Short Term Insurance ClaimsFiled Under: Blogging
Pre-certification is an essential part of availing the benefits of the short term health insurance plan that you purchase. This means that you have to notify the insurance company before you get admitted into a hospital for a non-emergency condition. Failure to do this may mean that you will get only half the amount of the medical expenses.
For example, let's say you had a pretty nasty fall and though there are no outward signs of injury, you consult a doctor, who suggests an immediate scan. The scan indicates that the pain in your leg needs to be treated. The doctor recommends you that you come in for a couple of days for treatment, which will then be followed by physiotherapy.
You need to inform the insurance company in advance that you will be getting admitted into the hospital for the time that the doctor has specified. The advance period specified depends on the plan chosen--some require the treatment to be pre-certified not less than 10 days in advance.
In case of an emergency situation, you need to notify the insurance company within 48 hours after getting admitted (or whenever reasonably possible). The hospital administration usually reminds a patient about insurance in such cases. Pre-certification, however, does not mean that you are guaranteed of the benefits.