The current insurance climate in the USA is very complex, and there is no easy answer to this valid question. It all depends on your insurance company and your specific policy. But we’ve tried to simplify things and give you a road map towards finding the answer and getting the maximum reimbursement possible. Submitting your own insurance claim isn’t as hard as you think. Read on.
Insurance claims are typically paid within 30 days as required by most states.
Contact your insurance carrier. Typically there’s a phone number, often toll free, on the back of your insurance ID card. If not, you should be able to find it on your insurance company’s website, or ask your human resources representative. Try to have your insurance ID card handy when you contact them – they will probably ask you for information printed on the card. Once you get in touch with your insurance company, request the following information:
Contact your physician for a current prescription (if required by your insurance company). You need the prescription to contain the following information:
Gather all the information from the last three steps.
After 15 days you may contact your insurance carrier to verify your claim was received. Most plans take 15-30 days to enter your claim for processing.
Insurance companies often have very specific requirements as to how the device purchased is described on the invoice. While we have optimized our invoice formats to comply, the requirements vary considerably from one insurance company to another. If your insurance company rejects your claim due to device description on your invoice, and you purchased your iWALKFree directly from us, then we can modify your invoice to comply. Here’s what you need to do:
If you purchased your iWALKFree from somewhere else, you should contact them with the same information.
If you insurance company isn’t performing, you should tell them that you will be contacting your local Insurance Commissioner’s office with a complaint. If they remain uncooperative, make good on your promise and file a complaint .
The Insurance Commissioners are your elected officials that serve to protect the public interest and regulate the business of insurance. Below you will find a link to the National Association of Insurance Commissioners website. From there, you can easily find your local commissioner. To find yours, simply select the state in which you reside. The name of your commissioner and their contact information will be provided.
Here’s the link to the National Association of Insurance Commissioners: www.naic.org
Contact your local Commissioner’s office per the instructions on their website. An official from your Commissioner’s office will typically take your personal information, claim history and contact the insurance company to start their own investigation on your behalf. Be specific on dates, persons whom you have spoken to and any information that was given to you by the insurance company. The more information you can provide, the easier it is for the Insurance Commissioners’ office to help you.