Content Overview 
- Summary
- What Is A Health Insurance Claim?
- Who Files a Health Insurance Claim?
- If The Doctor Or Health Care Provider Files Claims, Be Sure Each Claim Is Filed
- How To File A Health Insurance Claim Yourself
- What's The Deadline For Filing A Health Insurance Claim?
- What Happens After A Health Insurance The Claim Is Filed?
- What If I Have Questions About Or Don't Agree With The Explanation of Benefits (EOB)?
Summary
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Understanding how health insurance claims work will help you save time and money. You will spend less time figuring out the claim process and avoid paying more than necessary for health care.
This article applies to private insurance policies under which you pay a portion of the bill and a claim has to be filed before the insurance company will pay. For example:
- Indemnity policies. (also known as "fee-for-service" policies), the type where you pay and then are reimbursed
- PPO Plans. ("Preferred Provider Organization" plans) -- where you get a discount if you use particular providers)
- Managed care plans which have a point-of-service. feature where you can go outside the plan and part of your bill will be covered by the insurer.
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