“This procedure/medication will require prior-authorization.” Words that no patient wants to hear when they are ready to proceed with a doctor-approved treatment plan for their medical concerns. However, it is one of the utilization management tools that insurance companies have developed to determine whether certain prescribed procedures, services, and medications are medically necessary, or whether there is an equally effective treatment available to the patient.Continue reading
Imagine opening your mail to find a surprise bill from a medical provider due to a denied claim. Now imagine that preauthorization for your child’s lifesaving procedure was denied. These are not situations that students, or anyone else, should have to worry about. A denial from the insurance company can be disheartening, but there are steps that can be taken to appeal the decision. Below is a high-level overview of the process for appealing an insurance claim.Continue reading
You’ve worked hard to negotiate competitive health insurance rates and benefits for your students.
You’ve worked relentlessly to educate them on how to use their insurance.
But then an upset student contacts you about an insurance claim they believe is inaccurate, or that they shouldn’t have received at all. It’s a difficult situation for everyone.
It’s estimated that about 12.2% of adults living in the United States do not have health insurance. Since there is an estimated 250-million individuals over the age of 18 living in the United States, this roughly equates to over 30 million adults living without health insurance. If you have multiple insurance plans, consider yourself very lucky.
Everyone experiences a range of emotions. There will be times when an individual is joyful, but other times they may feel angry or sad. It’s a normal part of life. However, just because it is normal does not mean an individual doesn’t need support to make it through the rough times, especially when a student is feeling depressed or suicidal.
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