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In this video, Al Red Murr from the Maryland Insurance Administration emphasizes the importance of understanding your rights when an insurance company denies part or all of a medical bill. The tutorial outlines the basic claims process using an example of a patient with knee pain visiting a primary care physician. The patient has a $1,000 deductible, with $750 already applied, and also needs an x-ray and a follow-up visit. Since all providers are in-network, they will file claims with the insurance company on the patient's behalf. The insurance company processes these claims sequentially as they are received.
