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HCCIMS Clain Processing - Long delays in claim and delayed response. Frustrated I bought the insurance from insubuy for my in-laws. My mother-in-law is still in her 40s and is a pretty healthy woman. Unfortunately, we had to admit her in ER once. We took the ambulance and with good care from the ER doctors, she was discharged after being in ER for 12 hours. While this was a emotionally stressful experience, what followed with HCCIMS claim processing made it even more stressful. May - treatment received in ER May to July - No update from HCCIMS July - Personally called their toll free no and the agent asked to submit claimant statement authorization form. To my surprise, I received a letter by mail asking for the same the next week while there was no communication before that. July - sends a letter to submit claimant statement and authorization form Here is the key information.. everytime you send a communication or new information (even a small letter), they take 45 days to even tell you what is missing! That's their SLA!! Aug - Hospital sends bill to us stating that the insurance had rejected the claims!. I called HCCIMS and they mentioned that the claim is still under review and asked me to call and update the hospital. Aug - I called the hospital and explained the same. they adjusted the follow up date to another month Aug end - Called HCCIMS again.. representative again said their norm is 30-45 days and only after that they will inform. this time I was really hoping something. To avoid further delays, I got medical records of my mother in law from india and mailed it. Sep - called HCCIMS again. they said they are processing the new information. Again 45 days SLA !! Sep to Oct - called HCCIMS. No reply. they just said claims are under review OCT first week - they sent a letter stating that they asked the providers (US hospital) to mail all medical records for my mother in law since 2012. They denied it stating that the hospital didn't send it back. I was surprised and wasn't even updated while the claim was with them for the last 60 days OCT first week - I immediately took my mother in law and asked her to provide authorization to release her records from hospital to insurance company. I also got a copy and we mailed it. ... even now.. NO RESPONSE from them. It is all under review. Now, hospital is behind us for the bills and are saying that they have to give it to a collection agency if we don't respond. More than the emotional trauma, the claim process is frustrating. the toll free no is a waste. You won't get any other info on the claim other than what is in HCCIMS site. Compared to regular US health insurance companies, HCCIMS claim processing is frustrating. I've come to a point where I don't have any intention to buy visitor insurance in future.