Insurance Verification – It’s More than Scanning an Insurance Card

Verification gaps cause more denials than coding errors. Here are 3 ways to close them in 30 days:
If your insurance verification process is just: 

“Has your insurance changed?”

…it’s not verification.

The denials that hurt you are rarely about whether a card is active.

More often, they’re about product type, hidden auth requirements, network carve-outs, and frequency limits you only discover on the EOB.

The fix: 

1. Flag your high-risk encounters.
New patients, high-cost imaging, procedures, infusions, MA and Medicaid plans. Those all get a higher level of verification, every time.

2. Ask payer-specific questions.
Not just “is this covered?” 

Ask:
Does this service require prior auth under this plan?
Is a referral required from a specific PCP?
Are there site-of-service or frequency limits?

3. Document the verification.

Who verified, when, and what the payer or portal actually said. That protects you when you need to push back on a denial that contradicts what you were told.

A “clean claim” is not just one that passes the clearinghouse. It’s a claim that was built on the right coverage, the right rules, and the right prep.

If your verification step feels like a formality, there’s money sitting in your denial work queue that never needed to be there.