Health insurance safeguards you against illness and injuries. The reason why Wellspring Insurance Network sells health insurance is that we want to take charge of your health. We shall be there to clear the huge medical bill when sickness strikes. With the rising cost of medical services in Rockville, MD, a health insurance policy has become a necessity in life.
However, most people don’t know how to file a health insurance policy claim and when to file the claim. Well, if you already have a health insurance policy and you’re wondering when you can file a claim don’t worry since we are here to help you. So, when can you file a health insurance policy claim?
File a Claim In Case of Injury or Illness
The conventional times when you should file a health insurance policy claim is when you fall sick or get injured. You may also file a claim whenever you have a medical procedure done that is prescribed by a physician. You should also file a claim when one of your siblings who are covered by the policy falls sick, is injured, or requires surgery. You can also file a health insurance policy claim if you or your family member requires urgent healthcare services outside of the regular clinic operation hours.
What Kinds of Medical Insurance Claims Exist?
There are three different types of health insurance claims that you should know.
- Health Maintenance Organization (HMO): In this type of claim, the health insurance provider only caters for treatment sought from accredited clinics, hospitals, or physicians specified in the policy.
- Preferred Healthcare Provider Organization (PHPO): This type of policy allows you to look for medical care from your preferred doctor in Rockville, MD. Your policy will cover all the costs as long as you’re a PHPO member and you use healthcare services in your PHPO network.
- Group Health Insurance Plan: Any person who is a member of a specified group medical insurance plan is allowed to apply for medical insurance claims for a wide range of healthcare expenses.
Are you looking for a new health insurance policy? Contact Wellspring Insurance Network today.