Choice Enrollment Blog
There are a lot of health insurers out there that offer similar products. It is important to understand each of their terms to know which one addresses your needs best. Choosing the right coverage is one thing, becoming a smart policyholder is another. Read on to learn how you can maximize your benefits of health insurance.
When selecting the right plan, consider your medical needs.
An insurance plan with a low or no deductible would be wise if you have a chronic condition, or you need medical treatment soon. Evaluating your medical needs will also help you decide where to put your money. Some employers offer flexible spending accounts where you can use money deducted from your salary on a pre-tax basis for out-of-pocket healthcare expenses.
Choose healthcare providers that are within your insurer’s network.
Bear in mind that insurers have their network of providers depending on your type of health insurance. When you have treatments or services outside the network, you will incur higher deductibles or cost-sharing.
Ask about the details of your medical procedure.
Determine whether additional doctors like an assistant surgeon or anesthesiologist are needed for your medical procedure. Find out whether they belong to your insurer’s network before undergoing the procedure. If not, ask whether there are any doctors in the same field that is available within your network.
You can also reach out to your carrier to find out whether they will consider a “gap exception” to cover for services if there are no in-network healthcare providers available before undergoing the procedure.
If you need laboratory workups, ask where the specimens will be sent.
Just because you’re acquiring the services from in-network health care providers doesn’t mean they’ll send your specimens to a participating laboratory. Better ask your doctor or the laboratory personnel.
Always bring your valid insurance card with you everywhere you go.
To avoid confusion, throw or file your expired insurance cards away. Keep the valid ones handy in case you need health services.
To fully maximize your health insurance coverage, you need to be a smart consumer. Be fully aware of your rights and the terms of your policies. Doing so will help you a great deal when you seek healthcare services anywhere.
Choice Enrollment is a trusted health insurance agency. We are committed to assisting you to choose the right insurance plans that work best for you. Know more about the insurance products available to you. Call us at (719) 481-1616 or visit us at our office today. You may also request a free custom quote from us by clicking here.