Step 1: Read your policy carefully

The first step in filing a health insurance claim is to read your policy carefully. This will help you to understand what is covered and what is not. You will want to pay attention to the following:

  • Your coverage limits: This will tell you how much your insurance company will pay for covered services.
  • Your deductible: This is the amount of money you will have to pay out of pocket before your insurance company will start paying.
  • Your coinsurance: This is the percentage of the cost of covered services that you will be responsible for paying after your deductible is met.
  • Your copays: These are fixed amounts that you will have to pay for certain services, such as doctor’s visits or prescription drugs.

Step 2: Gather your documentation

Once you understand your policy, you will need to gather all of the necessary documentation to support your claim. This may include:

  • Medical bills: These will show the amount of money you owe for your medical care.
  • Receipts: These will show the amount of money you paid for any out-of-pocket expenses.
  • Doctor’s notes: These will document your medical condition and the treatment you received.

Step 3: Complete the claim form

Your insurance company will provide you with a claim form that you will need to complete. Be sure to fill out the form completely and accurately. You will need to provide the following information:

  • Your name, address, and phone number
  • Your insurance policy number
  • The date of your medical service
  • The name of your doctor or other healthcare provider
  • A description of your medical condition
  • The amount of money you owe for your medical care

Step 4: Submit your claim

Once you have completed the claim form, you can submit it to your insurance company. You can usually submit your claim by mail, online, or over the phone.

Step 5: Follow up on your claim

It is important to follow up on your claim to make sure that it is processed promptly. You can usually check the status of your claim online or by calling your insurance company.

Additional tips

  • File your claim as soon as possible. The sooner you file your claim, the sooner you will receive payment.
  • Be clear and concise when describing your medical condition. The more information you provide, the easier it will be for your insurance company to process your claim.
  • Keep a copy of all of your documentation. This will help you if you have any questions or problems with your claim.

Contact your insurance company

If you have any questions about how to file a health insurance claim, you should contact your insurance company. They will be able to provide you with specific instructions for filing a claim under your policy.

Types of health insurance claims

There are two main types of health insurance claims:

  • In-network claims: These are claims for services that you received from a healthcare provider who is in your insurance company’s network.
  • Out-of-network claims: These are claims for services that you received from a healthcare provider who is not in your insurance company’s network.

The process for filing an in-network claim is usually much simpler than the process for filing an out-of-network claim. In most cases, you can simply submit your claim to your insurance company and they will process it without any problems.

Out-of-network claims can be more complicated. In some cases, your insurance company may not cover the full cost of your medical care. You may also have to pay higher copayments and coinsurance amounts for out-of-network services.


Filing a health insurance claim can be a confusing process, but it is important to understand how to do it. By following the steps outlined above, you can help to ensure that your claim is processed quickly and accurately.