Benefits and Claim Procedures: Health Coinsurance

Health Coinsurance benefits are a provision under which the insurer and the insured share costs incurred after the co-pays and deductibles are met, according to a specific formula or schedule. You can learn all about how coinsurance works and how it fits with other healthcare insurance policies here.

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Health Insurance Co-Pays, Deductibles and Pre-Certification

There are many qualifications and limitations regarding what health insurance covers and to what extent. A co-pay or co-payment is the contractual amount you must pay for your use of a specific medical service covered by your health insurance policy. Pre-certification is a requirement, but not a guarantee of payment of benefits.

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Health Ins Claims: When Your CSR Isn’t Helping, Should You Take It Straight To The Top?

The process of getting a simple health insurance claim paid can be very frustrating and often leads to bad faith insurance claims. When nobody seems to know what’s going on, you’ve explained your situation over and over again and your customer service representative (CSR) just isn’t helping, should you take your concerns straight to the top of insurance companies such as Aetna, Cigna, Anthem Blue Cross, WellPoint, Humana or Kaiser Permanente?

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