Step-by-Step Guide: How Do I Submit an Insurance Claim?

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No matter whether you’ve paid for your charges to your medical bills up front or if the insurance company will pay your doctor or hospital directly, you will need to submit an insurance claim form to the insurance company. This insurance claim form informs the insurance company about the situation, what medical treatment you have sought, and what they need to reimburse you or your provider. To help you along, we’ve compiled step-by-step instructions to help you submit your insurance claim form.

1. Obtain itemized receipts and bills. First, you will need to ask your doctor, clinic or hospital for an itemized bill. An itemized bill lists every service that your doctor provided as well as the cost of each of the services. Your health insurance company will need you to attach the original itemized bills and receipts to the claim form.

2. Get your claim form. Next you will need to obtain a health insurance claim form, which you can do so from the brochure section of our site. Here you will be asked questions such as your insurance information, to whom you want the payment made, what was the visit for (accident/illness), etc. Your claim form will also provide you with additional instructions as to what other information they may need from your doctor or health care facility.

3. Make copies. This is very important. Once you’ve filled out your claim form and have received your itemized bill from your doctor, make copies of everything. This will help avoid any errors that might be made in the claim process and will make it easier for you to re-file your health insurance claim should it get lost.

4. Review then send. Read the claims form again and make sure that you’ve completed all of the necessary fields and attached the necessary receipts and bills. Claims can take approximately 30 business days to process and you may want to contact the number on the back of your card a week after submitting the paperwork to make sure they aren’t missing anything. Once you have everything in order, send out the claim form to your insurance company. The address on where to send the documents are listed on the form. We recommend emailing the claim as this can expedite the process.

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Posted by Jennifer Frankel

Jennifer is the International Director at International Student Insurance. Jennifer is a graduate of the University of Florida where she holds a Masters in International Business and a Bachelors of Science in Business Administration. She has lived and worked abroad in Mexico, Chile, Costa Rica and England, and traveled extensively in South America, Europe and Asia.

8 thoughts on “Step-by-Step Guide: How Do I Submit an Insurance Claim?”

Bincy Joy says:

Dear Frankel,


Glad to know that you have well experienced director of insurance. I am also practicing as insurance department. Basically am a Medical Coder in UAE and getting experience with insurance also. I am expecting your experience with knowledge updated to me also. I had been 6 years experience in coding.

Bincy Joy

doluwa gedara jagath chandra amarasiri says:

Dear sir/madam,

I am a wartsila employee working in south sudan.I have medical Bills to be claimed pls mail me necessary forms informning the if insurance no is sp0001082889

Hi Doluwa,

Thank you for your comment. Unfortunately as we are not affiliated with this company, we cannot assist you with the particular claims or claims procedure. I would suggest that you contact them directly and ask them about their claims process and how you can have your claim reviewed. Best of luck!

DeeAnn Lorraine Whitcher says:

Can a physician’s office change the charges on a bill? Can coding be changed and resubmitted?

Ramez Stephan says:

Hello DeeAnn,

Thank you for your comment.

The price of services will vary from provider to provider and state to state, we would recommend contacting the billing office of the provider directly for more clarification on the medical charges. The situation may vary when you seek treatment within the participating providers of your insurance’s network or when you seek it outside the network. As mentioned, you should seek further clarification from the billing office of the provider directly.

Best of luck!

Max Jones says:

Thanks for the info about insurance. My mom and dad want new health insurance. I’ll share this info about insurance with them later today.

Tex Hooper says:

I like your insurance tips. I need to get a new policy. My current policy is too expensive.

Success says:

Thank you for sharing such an amazing post. it contains all the answers to my question. i believe it will be useful to other readers, once more thanks.

Leave a Reply to Tex Hooper

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