Types of Health Insurance Claims

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When it comes to health insurance claims there's really two different types that you should concern yourself with. Find out about types of health insurance claims with help from an expert at Combs & Company in this free video clip.

Part of the Video Series: Insurance Questions Answered
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Video Transcript

Hi, my name is Susan Combs, and today we're going to talk about types of health insurance claims. When it comes to health insurance claims there's really two different types. There is inside of facility and outside of facility. So in inside a facility, that's just your hospitalization. So if you go into the hospital to have surgery or you have an ER visit, those claims are going to be processed under that portion of your insurance. Usually it's called major medical. And then you have outside of facility and it's going to be your doctor's office and under your doctor's office it's also going to be you know, any lab work that he requests for you, also if he requests you to have like an X-ray or MRI, those are all going to be processed separately as well. So the main thing to remember is to know how your insurance works because a lot of times with a lot of the different plan changes that are coming down the pike, you might have co-pays associated with things that are you know, your doctor services, but then if there is any facility type of services then those might go through a deductible. So really understand what your benefits are so that you know when you have any hospital stays or doctors visits or labs or X-rays that you know exactly what you are going to be responsible paying out of pocket.

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