Fewer Claim Denials
ComHealthcare connects individuals & families in Colorado and Nebraska with company-funded dental plans that give your team discounts on local medical services.
Part of ComHealthcare’s mission to simplify health coverage is to cut down on claim denials. Our Access Plans are not insurance, which means we don’t make money by denying claims like insurance companies do.
When you become an Access Plan member, you’ll know ahead of time which services receive discounts. No after-the-fact denials. No stress about whether or not you’ll be left footing the bill. Just simplicity and peace of mind.
If you’re ready for convenient health coverage that covers what it says it covers without surprises, then we invite you to learn more about ComHealthcares Access Plans. Get the dental care you need at a price you can afford – all backed up by excellent customer service.
How ComHealthcare is more Transparent When it Comes to Claims and Coverage
The founder of ComHealthcare started his career in the health insurance industry. He saw firsthand how companies would find excuses to deny claims to meet quotas and boost profits. This didn’t seem fair to the customer. After all, isn’t the customer supposed to take first priority?
Insurance companies boost margins by nitpicking the fine print of their policies. They classify some services under a pre-existing condition, saving a few bucks while denying you important care. Or they simply exclude entire industries like chiropractic and vision.
Access Plans, however, flip the script. While we don’t cover every service, we try to be as clear as possible as to what is and isn’t included under your plan. Here are four ways we avoid common insurance claim frustrations.
- Pre-existing conditions: Insurance companies may deny coverage for medical conditions that were present before the policy was purchased. This means that if you have a medical condition that is considered a pre-existing condition, the insurance company may not cover the costs associated with treating that condition.
ComHealthcare, however, does not take pre-existing conditions into account. - Exclusions in the policy: Health insurance policies have specific terms and conditions that define what is and is not covered. If the medical service or treatment is not covered under the policy, the insurance company may deny coverage.
The issue with most exclusions is that they are hidden within the fine print of the insurance policy. ComHealthcare publicly posts our discounted services so that you can always check to see what is and isn’t covered. - Lack of medical necessity: Insurance companies may deny coverage if they determine that a medical service or treatment is not medically necessary. For example, if a patient wants cosmetic surgery that is not required for medical reasons, the insurance company may deny coverage.
Services should either be covered or not covered. Access Plans won’t put you at the whim of some administrator who gets to decide whether or not service is “necessary” or not. - Failure to meet policy requirements: Insurance companies may deny coverage if the policyholder fails to meet certain requirements. For example, if the policy requires that the patient receive a referral from their primary care physician before seeing a specialist, and they don’t get the referral, the insurance company may deny coverage.
ComHealthcare does not require referrals. You are free to visit any of the providers that are in our network.
Alternative Services We Aim to Cover in the Coming Months
Currently, ComHealthcare specializes in dental care and oral surgery. Our Access Plans allow individuals to receive significant discounts off dental cleanings and surgeries. However, we plan to cover new industries in the coming months.
Check back soon for updates regarding:
- Vision
- Prescription
- Hearing
- Chiropractic
- Massage Therapy
- Homeopathy
- Acupuncture
Each of these medical fields are becoming more and more popular by the year. People are finding significant relief from these therapies, and yet insurance still refuses to cover them. ComHealthcare aims to get you the medical care you need at affordable, discounted prices.
Sign up for an Access Plan Today and Skip the Frustration of Insurance
ComHealthcare.com was founded by a former insurance company Dental Program director to meet the demand for health care services at affordable prices. Under ComHealthcare.com Access Plans, members enjoy access to services not covered by typical insurance companies. In fact, in many cases, members receive the same services they have under insurance plans while paying annual access fees much lower than typical annual insurance premiums!
