Month: January 2020

Are you having trouble getting your insurance company to pay for your medical costs? When managed care entered the insurance world ten years ago, its mandate was to collect increased medical bills. Buyer’s return leads directly to many states creating an impartial review panel and requiring insurance companies to develop in-house appeal techniques. Forty-two states now have a third-party review board whose choice can override the choice of insurance companies. Most customers are not even aware that this review board exists. Another problem is that too many people give up when their insurance claims are initially rejected. The appeal process can be long and annoying and many people don’t have the patience or time to pursue a claim regardless of how legitimate it is. The people must be determined and they can win.

The problem in every claim made

Especially if there is important cash, the time you spend asking for an insurance company choice can pay off faster than you think. A recent Kaiser Family Foundation study found that 52% of patients won their first appeal for every claim made. Insurance companies don’t get without paying again. If your first appeal was rejected, press and hold. The report revealed that those who appealed for the second time won 44% of the time. The person who filed an appeal for the third time won in forty-five percent of cases. Implies the possibility that is in your heart regardless of how long? Remember that every time you appeal, the insurance company will spend extra money to fight you and they will not only lose money for you but also in court costs.

Medical Health Benefits Problem

Medical health benefits are very difficult because insurance companies often limit the amount of money they will spend in a given year, or on the …

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Zoloft is an SSRI (selective serotonin reuptake inhibitor) specifically designed to treat depression, panic disorder, anxiety disorders, PTSD, and OCD. This medication has proven to be very effective when it is taken accordingly, but can often cause problems for some people. It’s not the side effects or drug interactions that most people worry about, but the lack of health insurance coverage for this medication and others like it. Many states have created laws to require private insurance coverage for mental health treatment, but they have not been effective at convincing insurance companies that covering anti-psychotic medications is a good idea.

Too many insurance companies see this as a risk that they cannot afford, and will deny prescription coverage to people taking Zoloft and other prescriptions for mental health disorders. What is even worse is that some companies will increase health insurance rates or drop customers if they present with serious mental health disorders because it puts them at a risk level that insurance companies aren’t able to handle. If you are already taking anti-depressants, you need to make sure that you find an insurance company that will accept you.

The medical history

You certainly can’t lie about your medical history. That’s insurance fraud. However, you need to make sure that you are getting the healthcare coverage that you need without compromising your health because an insurance company doesn’t like antidepressants. Group health insurance plans that you get through an employer seem to be much more accepting of mental health issues and prescriptions for depression and other disorders. However, there are some individual plans that will give you the coverage that you need, as well. You have to take the time to find these companies.

Getting coverage with Zoloft

It is like trying to get coverage when you have a pre-existing …

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