Before you make a decision about a health insurance provider, find out how the company handles claims. Do you need to pay for the cost of services first and wait for the insurer to reimburse you? Are there certain procedures that must be approved before the insurance company will cover them? If so, what information does the company need before making a decision and how long does the process take?
Another part of the customer service equation is whether the company has a toll-free number that you can call with questions or concerns. When you call, you will want to speak with a company representative right away, as opposed to having to leave a message and have someone respond by return phone call or e-mail. The world has changed, and customers have come to expect that their needs will be addressed quickly, and insurance companies who want to keep their customers will treat them well.
When you need to have medical procedures performed, it can be a very stressful situation. Waiting for an insurance company to give approval beforehand only makes it more so, and you want to choose a company that will respond quickly so that you can get the care you need. When you are considering various health insurance providers, you will want to factor this in as well.
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