{"id":7652,"date":"2018-07-07T15:15:26","date_gmt":"2018-07-07T19:15:26","guid":{"rendered":"http:\/\/localhost:10028\/uncategorized\/what-you-should-do-if-your-insurance-claim-is-denied\/"},"modified":"2022-08-18T21:16:16","modified_gmt":"2022-08-19T01:16:16","slug":"%e4%bf%9d%e9%99%ba%e9%87%91%e8%ab%8b%e6%b1%82%e3%81%8c%e6%8b%92%e5%90%a6%e3%81%95%e3%82%8c%e3%81%9f%e5%a0%b4%e5%90%88%e3%81%ae%e5%af%be%e5%87%a6%e6%b3%95","status":"publish","type":"post","link":"https:\/\/napolilaw.lemonadestand.org\/ja\/article\/%e4%bf%9d%e9%99%ba%e9%87%91%e8%ab%8b%e6%b1%82%e3%81%8c%e6%8b%92%e5%90%a6%e3%81%95%e3%82%8c%e3%81%9f%e5%a0%b4%e5%90%88%e3%81%ae%e5%af%be%e5%87%a6%e6%b3%95\/","title":{"rendered":"\u4fdd\u967a\u91d1\u8acb\u6c42\u304c\u5374\u4e0b\u3055\u308c\u305f\u5834\u5408\u306e\u5bfe\u51e6\u6cd5"},"content":{"rendered":"<p>\u4fdd\u967a\u91d1\u8acb\u6c42\u306e\u63d0\u51fa\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u3042\u306a\u305f\u306e\u4eba\u751f\u306b\u304a\u3051\u308b\u30c8\u30e9\u30a6\u30de\u7684\u306a\u51fa\u6765\u4e8b\u306e\u76f4\u524d\u306b\u767a\u751f\u3057\u307e\u3059\u3002\u3057\u305f\u304c\u3063\u3066\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u652f\u6255\u3044\u3092\u5f37\u8981\u3059\u308b\u305f\u3081\u306b\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u4e89\u3046\u306e\u306f\u6700\u3082\u907f\u3051\u305f\u3044\u3053\u3068\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u30c8\u30e9\u30a6\u30de\u3068\u306a\u308b\u3088\u3046\u306a\u51fa\u6765\u4e8b\u304c\u8d77\u3053\u308b\u524d\u3067\u3042\u3063\u3066\u3082\u3001\u30d7\u30ed\u30bb\u30b9\u306e\u3042\u3089\u3086\u308b\u6bb5\u968e\u3067\u3001\u78ba\u5b9f\u306b\u6e80\u8db3\u3067\u304d\u308b\u3088\u3046\u306b\u5bfe\u7b56\u3092\u8b1b\u3058\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u4f55\u3089\u304b\u306e\u8a08\u753b\u3092\u7acb\u3066\u3066\u3044\u308b\u4eba\u306f\u3001\u8acb\u6c42\u30d7\u30ed\u30bb\u30b9\u3092\u6700\u3082\u7c21\u5358\u306b\u901a\u904e\u3067\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u30012005 \u5e74\u306b\u306f\u3001\u30cf\u30ea\u30b1\u30fc\u30f3 \u30ab\u30c8\u30ea\u30fc\u30ca\u306e\u9ad8\u6f6e\u304c\u7c73\u56fd\u5357\u6771\u90e8\u306e\u591a\u304f\u3092\u98f2\u307f\u8fbc\u307f\u3001\u5bb6\u5c4b\u3092\u6c34\u6ca1\u3055\u305b\u307e\u3057\u305f\u3002\u4e00\u90e8\u306e\u4eba\u3005\u304c\u4fdd\u967a\u91d1\u3092\u53d7\u3051\u53d6\u308a\u3001\u5bb6\u306b\u623b\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308b\u307e\u3067\u306b\u7d041\u5e74\u534a\u304b\u304b\u308a\u307e\u3057\u305f.\u305d\u308c\u4ee5\u6765\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u8acb\u6c42\u30d7\u30ed\u30bb\u30b9\u306e\u5186\u6ed1\u5316\u306b\u5f79\u7acb\u3063\u3066\u3044\u307e\u3059\u3002\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u306e\u30ab\u30e1\u30e9\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u30a2\u30d7\u30ea\u3001Web \u30c4\u30fc\u30eb\u3001\u304a\u3088\u3073\u305d\u306e\u4ed6\u306e\u30ea\u30bd\u30fc\u30b9\u306f\u3001\u8acb\u6c42\u524d\u306e\u6e96\u5099\u3001\u60c5\u5831\u306e\u63d0\u51fa\u3001\u8acb\u6c42\u304c\u5374\u4e0b\u3055\u308c\u305f\u5834\u5408\u306e\u8a3c\u62e0\u306e\u53ce\u96c6\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002\u4e88\u9632\u63aa\u7f6e\u306b\u52a0\u3048\u3066\u624b\u9593\u306e\u304b\u304b\u3089\u306a\u3044\u8acb\u6c42\u3092\u63d0\u51fa\u3059\u308b\u305f\u3081\u306e\u63aa\u7f6e\u3092\u8b1b\u3058\u305f\u3068\u3057\u3066\u3082\u3001\u3042\u306a\u305f\u306e\u5065\u5eb7\u3001\u4f4f\u5b85\u6240\u6709\u8005\u3001\u307e\u305f\u306f\u81ea\u52d5\u8eca\u4fdd\u967a\u4f1a\u793e\u3068\u306e\u7db1\u5f15\u304d\u306b\u8ca0\u3051\u3066\u3001\u305d\u308c\u304c\u3044\u304f\u3089\u652f\u6255\u3046\u304b\u3092\u77e5\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059.\u3053\u308c\u3089\u306e\u6226\u8853\u306f\u3001\u53cd\u6483\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u4e0a\u8a34\u3059\u308b\u6a29\u5229<\/h2>\n<p>\u4fdd\u967a\u306e\u62d2\u5426\u306e\u6700\u3082\u4e00\u822c\u7684\u306a\u30bf\u30a4\u30d7\u306f\u3001\u602a\u6211\u3001\u6cbb\u7642\u3001\u304a\u3088\u3073\u75c5\u72b6\u306b\u95a2\u9023\u3059\u308b\u5065\u5eb7\u4fdd\u967a\u306e\u8acb\u6c42\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u3002\u5065\u5eb7\u4fdd\u967a\u306e\u8acb\u6c42\u306f\u3001\u6700\u3082\u4e00\u822c\u7684\u3067\u3001\u6700\u3082\u8907\u96d1\u3067\u8907\u96d1\u306a\u7a2e\u985e\u306e\u8acb\u6c42\u3067\u3042\u308b\u305f\u3081\u3001\u62d2\u5426\u3055\u308c\u308b\u5272\u5408\u304c\u975e\u5e38\u306b\u9ad8\u3044\u306e\u3067\u3059\u3002\u533b\u5e2b\u304c\u5fc5\u8981\u3068\u5224\u65ad\u3057\u305f\u6295\u85ac\u3001\u6cbb\u7642\u3001\u305d\u306e\u4ed6\u306e\u533b\u7642\u306e\u88dc\u511f\u3092\u62d2\u5426\u3055\u308c\u305f\u5834\u5408\u3067\u3082\u3001\u305d\u306e\u6c7a\u5b9a\u306b\u5bfe\u3057\u3066\u4e0d\u670d\u3092\u7533\u3057\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>Affordable Care Act (ACA) \u306b\u3088\u308a\u3001\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u6c7a\u5b9a\u306b\u4e0d\u670d\u3092\u7533\u3057\u7acb\u3066\u308b\u6a29\u5229\u304c\u4fdd\u8a3c\u3055\u308c\u307e\u3059\u3002\u3053\u306e\u6cd5\u5f8b\u306e\u4e0b\u3067\u306f\u3001\u4fdd\u967a\u30d7\u30e9\u30f3\u304c\u6cbb\u7642\u306e\u627f\u8a8d\u307e\u305f\u306f\u652f\u6255\u3044\u3092\u62d2\u5426\u3057\u305f\u3053\u3068\u306b\u540c\u610f\u3057\u306a\u3044\u5834\u5408\u306f\u3001\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u5185\u90e8\u30d7\u30ed\u30bb\u30b9\u3092\u901a\u3058\u3066\u4e0a\u8a34\u3059\u308b\u6a29\u5229\u304c\u3042\u308a\u3001\u3053\u308c\u306b\u306f\u3044\u304f\u3064\u304b\u306e\u30ec\u30d9\u30eb\u306e\u4e0a\u8a34\u304c\u542b\u307e\u308c\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u3042\u306a\u305f\u306e\u5065\u5eb7\u4fdd\u967a\u306f\u3001\u3042\u306a\u305f\u304c\u62d2\u5426\u3092\u518d\u8003\u3059\u308b\u3088\u3046\u306b\u983c\u3080\u306e\u3067\u3001\u3042\u306a\u305f\u306e\u88dc\u511f\u7bc4\u56f2\u3092\u4e0b\u3052\u305f\u308a\u3001\u6599\u91d1\u3092\u4e0a\u3052\u305f\u308a\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093.\u3053\u308c\u306b\u306f\u3001\u30b5\u30fc\u30d3\u30b9\u306e\u4e8b\u524d\u627f\u8a8d\u306e\u8981\u6c42\u3001\u307e\u305f\u306f\u65e2\u306b\u63d0\u4f9b\u3055\u308c\u305f\u30b5\u30fc\u30d3\u30b9\u306e\u8acb\u6c42\u304c\u542b\u307e\u308c\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3042\u306a\u305f\u306e\u8a08\u753b\u306f\u3042\u306a\u305f\u306b\u6b21\u306e\u3053\u3068\u3092\u901a\u77e5\u3057\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093:<\/p>\n<ol>\n<li>\u3042\u306a\u305f\u306e\u8acb\u6c42\u307e\u305f\u306f\u88dc\u511f\u304c\u62d2\u5426\u3055\u308c\u305f\u7406\u7531 n \u63d0\u51fa\u65b9\u6cd5\u306e\u8aac\u660e\u3092\u8a18\u8f09\u3057\u305f\u5185\u90e8\u7570\u8b70\u7533\u3057\u7acb\u3066\u3092\u63d0\u51fa\u3059\u308b\u6a29\u5229\u3002<\/li>\n<li>\u7570\u8b70\u7533\u3057\u7acb\u3066\u306e\u63d0\u51fa\u671f\u9650\u3002\u3068<\/li>\n<li>\u6d88\u8cbb\u8005\u652f\u63f4\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u5229\u7528\u53ef\u80fd\u6027 (\u4e00\u90e8\u306e\u5dde)<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><strong>US Healthcare Marketplace \u306e Web \u30b5\u30a4\u30c8\u306b\u3088\u308b\u3068\u3001\u5065\u5eb7\u4fdd\u967a\u306e\u6c7a\u5b9a\u306b\u7570\u8b70\u3092\u7533\u3057\u7acb\u3066\u308b\u65b9\u6cd5\u306f 2 \u3064\u3042\u308a\u307e\u3059\u3002<\/strong><\/p>\n<ol>\n<li><a href=\"https:\/\/www.healthcare.gov\/appeal-insurance-company-decision\/internal-appeals\/\" target=\"_blank\" rel=\"noopener\">\u5185\u90e8\u30a2\u30d4\u30fc\u30eb:<\/a>\u00a0\u8acb\u6c42\u304c\u5374\u4e0b\u3055\u308c\u305f\u5834\u5408\u3001\u307e\u305f\u306f\u5065\u5eb7\u4fdd\u967a\u306e\u88dc\u511f\u304c\u53d6\u308a\u6d88\u3055\u308c\u305f\u5834\u5408\u3001\u3042\u306a\u305f\u306b\u306f\u793e\u5185\u3067\u4e0a\u8a34\u3059\u308b\u6a29\u5229\u304c\u3042\u308a\u307e\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u306b\u3001\u305d\u306e\u6c7a\u5b9a\u306e\u5b8c\u5168\u304b\u3064\u516c\u6b63\u306a\u5be9\u67fb\u3092\u4f9d\u983c\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u30b1\u30fc\u30b9\u304c\u7dca\u6025\u306e\u5834\u5408\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u3053\u306e\u30d7\u30ed\u30bb\u30b9\u3092\u30b9\u30d4\u30fc\u30c9\u30a2\u30c3\u30d7\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<li><a href=\"https:\/\/www.healthcare.gov\/appeal-insurance-company-decision\/external-review\/\" target=\"_blank\" rel=\"noopener\">\u5916\u90e8\u30ec\u30d3\u30e5\u30fc:<\/a>\u00a0\u3042\u306a\u305f\u306b\u306f\u3001\u5be9\u67fb\u306e\u305f\u3081\u306b\u72ec\u7acb\u3057\u305f\u7b2c\u4e09\u8005\u306b\u7570\u8b70\u3092\u7533\u3057\u7acb\u3066\u308b\u6a29\u5229\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3092\u5916\u90e8\u5be9\u67fb\u3068\u3044\u3044\u307e\u3059\u3002\u5916\u90e8\u5be9\u67fb\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u4fdd\u967a\u91d1\u3092\u652f\u6255\u3046\u304b\u3069\u3046\u304b\u306b\u3064\u3044\u3066\u6700\u7d42\u6c7a\u5b9a\u6a29\u3092\u6301\u305f\u306a\u304f\u306a\u3063\u305f\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h2>\u8a34\u8a1f\u8acb\u6c42\u306e\u8cbb\u7528\u3092\u7406\u89e3\u3059\u308b<\/h2>\n<p>\u307e\u308c\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u4fdd\u967a\u91d1\u8acb\u6c42\u306e\u7e70\u308a\u8fd4\u3057\u306e\u62d2\u5426\u304c\u539f\u56e0\u3068\u306a\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002 <a 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