Dealing with health insurance claims is probably one of the most common problems with medical insurance. Some people tend to file claims too late because they are planning to file several claims at once. The problem with this is that medical insurance companies usually give them about a year to file a claim within a year after the treatment.

If the person is too busy, he or she might forget that there is a timeframe for him or her to file the claim. That is why people should be on top of these things constantly and one thing that can help with filing health insurance claims is to have your own information file.

An information file would contain information you would need when filing a claim. You should also write down where you can find a list of medical providers accredited with the insurance company. You should also check if the company offers reimbursement for treatments done by a doctor or hospital not in their network.

Also write down what steps you can take to appeal a denied claim. Before these though you have to write down other important information too. If you have undergone a medical procedure that needs pre-approval without you filing for approval, chances are, your claim will be denied unless you have a very good reason.

The information file should have information whether the policy covers treatment of mental and emotional illnesses. Then, also put down the individual yearly deductible or the family deductible if that's what you took out. Another data that should be on the information file is the yearly and lifetime maximums.

The information file should have your insurance company identification number. It is easier to write it down than trying to memorize it anyway. Your information file should first have the name, mailing address, and phone number of the insurer. Obviously, this is important especially if you are forgetful.

Another thing that should be there is what medical procedure needs pre-approval from the insurance company. It should also contain what preventive care, if any, is covered by the insurance. This should help you in picking out which preventive care that you have undergone you can file a claim for.

It is very common to have problems with health insurance claim. In fact, a joke is running around that if Benjamin Franklin is alive today, he would add health insurance problems to his famous quote "nothing can be said to be certain, except death and taxes." These data though should help you make it less of a problem the next time you file a claim.