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Insurance Requirements Checklist

If you are going to be receiving health care services, to assist you as you sort through the process of complying with your insurance company's coverage requirements, please read the following list of questions:

Have you read the front and back of all insurance cards issued to you by your (or your spouse's) employer? If precertification is required, have you made arrangements with your ordering/performing physician? Have you contacted your insurance company regarding pre-certification at least one to two days prior to service to confirm authorization? Do you know if your health care provider's charges will or will not be covered by your insurance company? Does your policy require a deductible charge? If so, what is the amount? Does your policy require a second medical opinion? If so, have you obtained the second opinion? Does your policy require that you have a referral form for health care services? If so, have you obtained your referral form and given it to your performing physician and hospital? Does your policy require a claim form? If so, have you completed the form for submission to your physician(s) and hospital? If you are scheduled for surgery, is your surgery related to any type of accident? If so, have you given all of the accident-related information to your health care providers, such as how, where, and when accident occurred? Are you covered by more than one insurance plan? If so, have you submitted all insurance information to your health care providers? This will include: name of plan address telephone number ID number subscriber's date of birth completed claim and/or referral form.