Health insurance claims reimburse a patient for services that a medical practitioner rendered. Learn some basics about the claims process. Then, consult one of our THINK Insurance & Financial Services agents if you want additional information about your insurance policy.

Direct Billing

When a medical provider within your network sees you, you will receive a bill listing the medical procedures performed. A representative of the medical facility will submit the bill to your insurance provider. The bill will contain codes that relate to the types of procedures that were performed. 

Individual Claim

If you are seen by a medical provider outside your network, you may be responsible for filing your own insurance claim.

Typically, you can file a claim online. You will simply need to do this through your insurance provider’s website. You can also fill out a paper claim form and send it to your insurance provider.

Claims Process

The claims process requires reviewing the bill or claim information. During this process, whether you are approved or denied for the claim will be determined.

If you are approved for the claim, you will be reimbursed for out-of-pocket costs that you were responsible for after the medical services were rendered. You may receive a full or partial reimbursement for the amount you paid.

Policy Assistance

You may have additional questions or concerns about health insurance claims. Each billing process is unique and will be personalized based on the services you have received. One of our agents, who serves Pomona, CA, can help you with any issues you have with your insurance policy. Give one of our agents a call today.

Navigating condo insurance can often raise more questions than answers. At THINK Insurance & Financial Services in Pomona, CA, we strive to help you understand what your condo insurance policy typically covers and, more importantly, what it doesn’t.

Structural Elements of the Building

A common misconception about condo insurance is that it covers all structural elements of the building. However, individual condo insurance usually doesn’t cover the exterior structure or common areas. Therefore, it’s critical to understand where your coverage ends and where the association starts to avoid unexpected lapses in coverage.

Flood and Earthquake Damage

Standard condo insurance policies often do not cover damage caused by natural disasters like floods and earthquakes. Given that these events can cause extensive damage, it’s a good idea to consider acquiring separate flood or earthquake insurance if you live in an area vulnerable to these risks. This added coverage can grant peace of mind and financial protection.

High-Value Personal Items

While condo insurance does cover personal belongings, there are limits to this coverage. High-value items might exceed those limits. To ensure these valuable assets are adequately protected, you could need to purchase additional riders or endorsements specifically for these items.

Wear and Tear

Condo insurance is designed to safeguard against sudden and accidental damage. It doesn’t cover things like wear and tear. Routine maintenance and upkeep of your unit are critical, as claims related to neglect or deterioration are not covered.

Understanding the limitations of your condo insurance is critical to avoid unpleasant surprises. At THINK Insurance & Financial Services in Pomona, CA, we’re here to help you navigate your coverage options and ensure you possess the protection you need. Contact us today to review your policy and explore additional coverage options tailored to you.