9 upvotes, 2 direct replies (showing 2)
I genuinely don't understand why this is a brag for them. Certain claim requests should be nearly instantaneous. In fact, I would think the fastest time to approve a claim should be even less than this.
I think insurance providers sometimes forget that there's a contract between us and them. We've already paid them money, and in return, they're supposed to provide us services. It's not purely discretionary whether they approve claims or not, although they behave as if it is. Some things are just plain covered and there should be no question and no real need for a human to look over the claim request.
It's as if I subscribed to Netflix, and paid for ad-free movies. Netflix doesn't need a person to check my policy every time I click on something. Because I already paid for the service.
Of course health insurance is a bit more complicated than Netflix. There are far more edge cases. But most cases *aren't* edge cases, and this pervasive concept that it's fundamentally unclear what you're covered for is absolutely absurd.
Comment by egnards at 19/12/2024 at 21:48 UTC
2 upvotes, 0 direct replies
Because marketing isn't about being truthful.
It's about presenting facts that may or may not be relevant to you, and marketing them in a way that makes prospective clients fill in the blanks of a rose-colored world.
In this instance the **idea** is that people hate the insurance industry and fighting with insurance companies, and you're being led to believe [without anything that is actually false being said] that they make the claim submitting process quick and painless.
Comment by yyz_barista at 20/12/2024 at 01:54 UTC
2 upvotes, 0 direct replies
I'm in Canada and I'm pretty sure my dental claims are processed in < 2 minutes - I've just never felt the need to time it. The process is always, I walk up to the receptionist after my cleaning, they confirm the insurance details they have on file for me, they charge my credit card for the full amount of the services, then they print my invoice from their clinic showing it's all paid, and then they'll also print the insurance claim sheet. I'd say a good portion of the time, the sheet will show whether it's been approved and the amount they're paying. Occasionally it's not done instantly, but I think it's because it's outside their normal processing hours.
I don't know why the insurance website / system has processing hours, but it's never been a painful issue for me, especially not for routine cleaning / recall exams. Even fillings are approved without issue, it's normally only more complex work that requires a predetermination that might require more information before approval.
I have no issue with paying the full amount up front and being reimbursed by insurance within a few days. Some insurance plans have the option to directly pay the dental clinic and you pay the difference. It's not a big deal for me, but the option is there, incase people can't front the cost or whatnot.