{"id":7454,"date":"2026-02-09T10:03:13","date_gmt":"2026-02-09T16:03:13","guid":{"rendered":"https:\/\/pmaworks.com\/observations\/?p=7454"},"modified":"2026-02-09T10:03:44","modified_gmt":"2026-02-09T16:03:44","slug":"ask-lisa-benefits-verification-because-guessing-is-expensive","status":"publish","type":"post","link":"https:\/\/pmaworks.com\/observations\/ask-lisa-benefits-verification-because-guessing-is-expensive\/","title":{"rendered":"Ask Lisa: Benefits Verification:  Because Guessing Is Expensive"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7455 aligncenter\" src=\"https:\/\/pmaworks.com\/observations\/wp-content\/uploads\/2026\/02\/insurance-verification-image.png\" alt=\"chiropractic assistant verifying insurance benefits for patient\" width=\"438\" height=\"295\" \/><\/p>\n<p>In today\u2019s healthcare landscape, verifying a patient\u2019s insurance benefits is more than an administrative step \u2013 it is a critical safeguard for both the patient and you. Benefits verification ensures that coverage details such as eligibility, co-payments, deductibles, and authorization requirements are clearly understood. When done accurately and promptly, this process lays the foundation for transparent care, financial clarity, and trust.<\/p>\n<p>For your patients, unverified benefits can lead to unexpected bills, delayed treatment, or denied claims long after services are rendered. These surprises not only often create stress at moments when patients are already vulnerable, but become a compliance issue with regards to the No Surprises Act. Verifying benefits in advance also empowers patients with accurate information about their financial responsibility, preventing fears about surprise charges.<\/p>\n<p>From your perspective, benefit verification reduces claim denials, improves your revenue cycle management, and supports effective, functional operations. It bridges the gap between clinical care and financial responsibility, ensuring that your services provided align with billing requirements. Ultimately, verifying benefits is not just about reimbursement, it is about protecting patients, strengthening provider-patient relationships, and promoting a more transparent and sustainable practice.<\/p>\n<p>The best time to verify benefits in the chiropractic office is either 1) before the new patient\u2019s Day 1 if you obtained their insurance information when they called or came in to schedule, or 2) After the patient\u2019s Day 1 visit and prior to their Day 2 visit. This fosters continued trust and adequate time for your one-on-one financial consultation. You\u2019ll also want to verify benefits if the patient has a change in insurance during the year.<\/p>\n<p><strong>Best Verification Methods: How to Verify Benefits<\/strong><\/p>\n<ul>\n<li><strong>EHR\/Clearinghouse:<\/strong> For a minimal extra monthly fee, verification of benefits feature is available for immediate output through your EHR or clearinghouse.<\/li>\n<li><strong>Insurance Payor Portals:<\/strong> Using specific payer websites provides the most up-to-date, detailed, and accurate benefit information, often surpassing phone checks.<\/li>\n<li><strong>Phone:<\/strong> The most reliable method for complex or high-cost services, enabling confirmation of specific benefits, authorization requirements, and obtaining a first name and reference number for the call.<\/li>\n<\/ul>\n<p><strong>Be ready to provide the following information:<\/strong><\/p>\n<ul>\n<li>Patient Name<\/li>\n<li>Date of Birth<\/li>\n<li>Member ID<\/li>\n<li>Group Number (if applicable)<\/li>\n<\/ul>\n<p><strong>Some Coverage Questions\/Criteria:<\/strong><\/p>\n<ul>\n<li>In-network or out-of-network status of provider<\/li>\n<li>Annual or visit limits (if any)<\/li>\n<li>Deductible amount and remaining balance<\/li>\n<li>Co-payment or coinsurance<\/li>\n<li>Is prior authorization required<\/li>\n<li>CPT codes<\/li>\n<li>Effective date of coverage and if calendar year or policy year coverage<\/li>\n<\/ul>\n<p><strong>If an appeal is needed:<\/strong><\/p>\n<p>When you need to appeal a benefits verification that mismatches the reimbursement on your EOB, the best method is to call the payer regarding the specific issue and provide the call reference number and representative\u2019s name if you originally called to verify. If you used your EHR\/clearinghouse or the payer\u2019s portal, provide the information stated on the printout to the appeals representative. Focus on what you need for resolution, such as, \u201cIt appears your claims system miscalculated what we are to be reimbursed. We are expecting $XX remaining, and are requesting you resend the claim(s) to process per the member\u2019s policy coverage.\u201d If they paid correctly on another DOS, let the rep know this.<\/p>\n<p>You may want to inform the patient of your appeal as well. Sometimes the patient will need to ultimately call to sort out a coverage dispute. If they signed your financial agreement, they\u2019ll be more than willing to call their insurance company if they were expecting their insurer to pay a portion for their care.<\/p>\n<p>Need an insurance verification form for use or to compare what you currently use in your office? Click <a href=\"https:\/\/pmaworks.com\/observations\/wp-content\/uploads\/2026\/02\/Insurance-Benefits-Verification-Form.pdf\">HERE<\/a> for an insurance verification form. On the house.<br \/>\nQuestions? Just Ask\u2026 Lisa<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In today\u2019s healthcare landscape, verifying a patient\u2019s insurance benefits is more than an administrative step \u2013 it is a critical safeguard for both the patient and you. Benefits verification ensures that coverage details such as eligibility, co-payments, deductibles, and authorization &hellip; <a href=\"https:\/\/pmaworks.com\/observations\/ask-lisa-benefits-verification-because-guessing-is-expensive\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[702,7],"tags":[],"class_list":["post-7454","post","type-post","status-publish","format-standard","hentry","category-ask-lisa","category-chiropractic-reimbursement-insurance"],"_links":{"self":[{"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/posts\/7454","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/comments?post=7454"}],"version-history":[{"count":2,"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/posts\/7454\/revisions"}],"predecessor-version":[{"id":7458,"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/posts\/7454\/revisions\/7458"}],"wp:attachment":[{"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/media?parent=7454"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/categories?post=7454"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pmaworks.com\/observations\/wp-json\/wp\/v2\/tags?post=7454"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}