Wednesday, December 05, 2007

What Your Health Insurance May Not Cover

You have heard of the fine print. How many people ever read it? Those who are getting health insurance benefits should read every piece of paper and more that comes with their policy. You need to understand the coverages you are paying for. When reading through your insurance plans, you will need to watch out for a few things that could limit your care.

Your fine print may state that before you can be treated for even the most routine things, you need to get an authorization code. You also need to make sure that this code is on that your insurance company finds standard. If the code is not approved, you could wind up paying for the care or treatment out of your own pocket. You can appeal their decision not to pay but, it takes a long time and a lot of wasted effort to be told no! Most appeals are never won. You need to make sure that you are covered from the very beginning and know what is expected from you.

From time to time, you may need some surgery to treat a major medical problem. In looking for a surgeon that will be covered under your insurance you also need to find out if the other surgery specialists are covered. You will need anesthesiologists and possibly others to help with your operation. You may have coverage that you think will cover all surgery and surgery procedures but, only covers certain things not all of them. Find out all that will be involved in your particular surgery and make sure it is covered by your plan. Make sure you know everything your coverage will pay for when it comes to surgery. How sick would you feel if you have your surgery and then a bill for other services need to be paid right from your own pocket? Most of us would feel pretty ill.

You may also find that your health care coverage only allows you so many treatments for things. If you need physical therapy after your surgery or an accident and you need more than your coverage allows, you need to be prepared to pay for it yourself. At a time like that you do not need any surprises. You want to follow through with all treatment necessary instead of having to stop because you can not pay for it yourself.

Be informed on everything that your plan does and does not offer. Read through the fine print and then some. Be familiar with everything about your policy. When thinking about having any medical treatment, you need consult your insurance provider about any possible problems that could arise in coverage.


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