Patients want to know what they are paying for before they receive care, but few are actually given that information. This is because more and more people in Washington are having to shell out for much more than just their copays. Facility fees are driving up the cost of seeking medical care, and they are becoming more and more common.
Prior authorization is a key component of health insurance, but it has not always been the enormous hurdle that it is today. Health insurance companies require prior authorization for some of the most routine aspects of health care, such as filling prescriptions. Until significant changes are made to insurance law, Washington patients will still need to understand the role that prior authorization plays in their health as well as their rights when fighting the insurance companies.
The period of time following a car accident can be confusing and overwhelming, and contacting the insurance company might be the last thing on a victim's mind. But it is not a good idea to put off filing a claim until later. Even though resolving a claim and dealing with other aspects of insurance law can be time-consuming, most insurance companies in Washington have strict deadlines for filing.
Sometimes initial insurance coverage is not enough to meet the needs of policyholders as their lives change. Instead of canceling and purchasing new policies, people can instead purchase insurance riders to supplement their coverage. But insurance law can be complicated, and the purpose and benefits of different riders might not be totally clear to some people in Washington. Here are a few important things to remember when considering purchasing an insurance rider.
It is no secret that the cost of medical care is drastically higher than almost anyone in Washington can afford on their own. Health insurance is supposed to help offset those costs, and many people shell out a significant amount of money each month for their coverage. This is one of the reasons that receiving an unexpected bill can be such a shock. It is even worse when that bill is an insurance mistake.
Buying a house is about so much more than just securing a roof over one's head. When someone buys a house, he or she is actually buying a home. Washington homeowners also understand the importance of protecting their homes by purchasing homeowners' insurance. But putting down roots and cultivating family memories under the same roof for years on end is a lot harder when insurance companies refuse to help policyholders when disaster strikes. Here is just one example of how a denied claim can impact someone who needs help.
Mental illnesses are not always well understood or even easy to recognize. This makes it hard for Washington residents who cannot work because of their mental health problems. When it comes to securing Supplemental Security Income or Social Security Disability Insurance, those living with mental illnesses often face an uphill battle against insurance law.
Doctors spend years studying medicine and dedicate their lives to caring for patients. These medical professionals understand their patients' medical needs far more than any insurance company ever could, and yet those companies often interfere with people's access to treatment. This is sadly not uncommon, and three Washington insurance companies were even recently fined for breaking insurance law multiple times.
Insurance companies like to act as though medical treatments are more of an optional choice instead of the absolute necessity that they are. They clearly demonstrate this attitude by denying claims for patients who desperately need care. This not only puts a tremendous financial burden on people in Washington, but it also jeopardizes their health and financial situations.
Buying a homeowners insurance policy is just smart when buying a home. Not only do these policies provide financial coverage for damage to a home, but they also give homeowners a much needed sense of security. If anything goes wrong, they have their insurance policies to fall back on. Unfortunately, insurance companies frequently exclude common sources of damage either explicitly or with broad, confusing terms, so when purchasing coverage, a Washington homeowner should be sure to familiarize him or herself with the policy. This can be helpful when there is a denied claim for something that should be covered.