What to think about when acquiring an Attending Doctor Assertion
Talking along with your docs in regards to the APS and reviewing the doc earlier than submitting it to your insurance coverage firm can mitigate many points. Docs are busy folks and since drafting an APS isn’t a precedence, it’s not unusual to search out errors of their statements. An error can result in denial of advantages, termination of a coverage, or delays within the total approval course of.
It’s additionally important to have the correct physician(s) full the APS. A nurse practitioner, social employee, or different healthcare suppliers could possibly present this info. Nonetheless, the insurer could deny an APS offered by anybody who’s not your attending physician. Requiring anybody aside from your physician to offer the assertion might trigger delays and lengthen your software timeline.
Typically, insurers will request an APS from a specialist. For instance, if psychological well being points concern your insurer, they might request an APS out of your psychiatrist (for those who see one) as an alternative of your doctor. Once more, submitting an APS from the improper physician may cause delays and different points along with your software or advantages.
An APS is one among many items of knowledge that insurers use to find out your threat or eligibility for all times or essential sickness insurance coverage. It’s not at all times required, however when it’s, it’s a fairly simple course of.
If you happen to’re searching for life, essential sickness, or incapacity insurance coverage, PolicyAdvisor works with over 20 of Canada’s prime insurance coverage suppliers to get you the perfect protection. Our specialists are pleased to reply any questions you’ve relating to life or essential sickness insurance coverage.
The knowledge offered herein is for normal informational functions solely. It isn’t supposed and shouldn’t be construed to represent authorized or monetary recommendation.
