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Getting Organized for Health Insurance

Updated April 24, 2014

Keeping an organized file of all of the paperwork that your insurance company sends to you and any paperwork that the company may request will make things easier in the long run. The earlier you start a file, the more information you will be able to provide if your provider asks for a receipt or verification.

Include in the file

  • paperwork from diagnostic tests performed, treatments received, follow-up care instructions, and insurance claims
  • a list of appointment dates and any payments made
  • notes taken during doctors’ appointments
  • your insurance information, bills and receipts
  • test results
  • a list of resources or websites you find useful, and
  • the names of any insurance or hospital representatives you speak with by phone, along with the date of the call and any notes you take

Know how payment is made

Find out if your insurance provider directly pays the hospital or doctor you see, or if you will pay bills out-of-pocket up front and later be reimbursed by your insurance company. This will help you plan payments.

Learn more about lead reviewer Joanna L. Fawzy Morales, Esq, and the other providers who helped us write this page in our Guide to Understanding Financial Concerns, 1st ed., 2010.