Everyone has days where they get up on the wrong side of the bed and find that the day is just not working out. From not finding your car keys, being stuck in a traffic jam, to your car breaking down, to your boss reprimanding you, all to these can constitute a terrible day. If these situations sound familiar, you should know that similar conditions can happen with your health insurance plan. Even though you have done your bit of research, investigated the reputation of your health insurance company, spoken to them at length, you may have discovered that even the best laid health insurance plans can go awry.
Choosing The Wrong Health Plan
No two health insurers offer exactly the same type of health plan. The benefits that come with each of them will also differ. This can be confusing to potential insurance buyers and you can easily end up with the wrong type of health plan. Very often due to time constraints, you may not do enough research and end up with a plan that does not suit your needs and gives you a higher premium price. You may purchase a comprehensive health coverage plan when all you really needed was tailored and limited health insurance coverage.
Inefficient Claims Payment Process
Inefficient claims payment process can happen when you file your claims for reimbursement with your health insurance firm or intermediary and it gets botched. This could be by delaying the process or by asking too many irrelevant questions. Another situation may be that you may have huge hospital bills and the health insurer expects you to pay half the bills when the initial understanding was that the health insurer would foot the entire bill. Health insurance surveys show that customers suffer the most when their claims payments are poorly handled.
Poor Customer Service
Despite several online announcements and print advertorials, which highlight and advertise the high quality customer services, you can find out that it is quite the opposite. Customers can discover that the reps who were initially quite cheerful and helpful can be curt, rude, impatient and not give you proper guidance. You may need information about how to file a claims reimbursement, how to avail a certain type of discount or just need a clear understanding of your health insurance policy. A health insurance policy is generally filled with technical terms and conditions which are not immediately understood by the layperson. In such times, cooperative and patient customer services is acutely needed and felt.