healthcare claims

Healthcare claims are official requests sent by healthcare providers, like doctors or hospitals, to your insurance company for payment of services rendered. When you visit a doctor or receive treatment, the provider details the services you received and submits a claim to your insurer. The insurance company then reviews the claim to determine what portion they will cover based on your policy. Once approved, the insurer pays the provider directly, and you may be responsible for any remaining costs, such as copayments or coinsurance. Claims help ensure providers get paid and that your insurance covers the appropriate expenses.