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Working With Health Insurance Schemes Print

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Payment from third parties.

WHAT SCHEMES PROVIDE

Patient volume Predictable, if delayed, payment

WHAT THEY COST

Lower rates than direct payment Administrative burden Delay Rejected claims

WHAT TO ESTABLISH BEFORE ENROLLING

The tariff for your services What is covered and what is excluded The claim process and its deadlines Payment timelines, actually experienced What documentation is required

HOW TO ESTABLISH ACTUAL PAYMENT TIMELINES

Ask other facilities.

WHY

Stated and actual timelines differ.

WHAT TO CALCULATE

Whether the tariff covers your cost of providing the service.

WHY

Some tariffs do not, and volume makes it worse.

WHAT CAUSES CLAIM REJECTION

Incomplete documentation Missing authorisation Services outside cover Late submission Coding errors

WHAT TO ESTABLISH

What authorisation is required before providing care.

WHY BEFORE

Care provided without it is frequently unpaid.

WHAT TO BUILD

A process ensuring every claim is complete before submission.

WHAT TO TRACK

Claims submitted Claims paid Claims rejected, and why Days to payment

WHAT REJECTION PATTERNS REVEAL

A fixable process problem.

WHAT TO DO ABOUT REJECTED CLAIMS

Appeal them, within the deadline.

WHY

Many are recoverable and most are abandoned.

WHAT TO ASSIGN

Responsibility for claims, to a named person.

WHAT TO MONITOR

Outstanding balances by scheme.


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