Health insurance is something most of us don’t want to think about like taxes and death!
Difficult even for the professionals to figure out and more confusing than a State map, the details of an Insurance Plan can be very intimidating! What generally happens is that we don’t find out about all the cracks that we can’t see in the coverage until sickness occurs and then sometimes it is too late!
We think that all the bases are covered when we have Health Insurance ---- #1 because that is what we are told and #2 because we don’t know what to ask.
There are states where medical insurers are not made to, by law, to cover certain services or are allowed, because of pre-existing conditions, to exclude people.
Be sure that before you go to the Doctor that he/she is under the ‘Network’ and that the problem that your are having is covered.
Premiums are important is choosing an Affordable Health insurance Plan but, really research about the deductibles and co-pays in the Policy --- they can be staggering!
Finds out if there are ‘Caps’ on services, because if there are, once that ‘Cap’ is realized the Insurance Company will not pay.
Just because you have Insurance does not mean that you won’t have expenses that are not covered and can put you in Financial ruin! Be very careful!
If, for some reason, a service or procedure is denied, don’t go off half-cocked! Often only a phone call is needed to straighten the problem out and if that doesn’t work then you can go through the formal complaint process.
Personally, I found out that although my Hospital is under my Plan, the Emergency Room Doctor, the Lab and the X-Ray are not and I had bills coming from everywhere! I had to call and make payment arrangements with all of the people in the midst of having to deal with my Medical problems! In the hospital you don’t have a choice about you sees you sooo, if you Know you are going, call the hospital and ask questions so that you at least know what is in front of you and you can Plan according!