While going without health insurance might be fine when you’re healthy, it’ll be a big problem if you’re in an accident or develop a serious health problem. A quality health insurance plan will protect your health, as well as the health of your family.
You might be able to save cash on health insurance if your employer has a wellness program available. A lot of employers offer incentives for employees for having their lifestyles and health assessed. If you qualify, you may be able to save some cash on your premiums by participating in programs that can save your employer money.
Each year, check to see which prescriptions are covered. Health insurance companies tend to change the medications they cover, so see to it that you read the contract’s fine print each time you re-enroll. When your daily meds are dropped by your health insurer, then start the hunt for a new plan right away.
Never go without health insurance. While a few people never get sick or injured, the chances that you will not get sick, are astronomical. Protect yourself from falling into medical debt by getting insurance, even if it is only the bare minimum. You do not want to be left untreated just because you can’t afford it.
When you are filling out your application with the insurance company over the phone, make sure that you are only providing them with the information that they request. Give direct answers to their questions and nothing more. Even if they are legitimate, the information you provide will be recorded and can be used to spike up the premium you pay each month.
Find out what the pre-existing condition limitations are before you cancel your current health insurance policy to enroll in another. You may find that any illnesses or disabilities that you have may not be covered if you change to a new provider. Check with your State Insurance Department to find additional information on insurances that will cover those pre-existing conditions.
When you’re admitted to a hospital, expect a great deal of documentation from your health insurance company as well as all the other people and groups who may have treated you. Although it can be bewildering, please make the effort to thread your way through the insurance bill details so that you can be completely sure you understand what you were charged for. This way if something was not covered to your satisfaction, you will be able to identify it and call it out to the health insurance company for follow-up.
Even if you have a PPO, if you’re considering any kind of procedure, you should definitely contact your health insurance company to be sure the procedure you want to have is covered. All too often, people have procedures done without checking with their health insurance company, only to find after the fact that the procedure was not covered and they are now 100% financially responsible for it. Know before you go!
It is very important to have health insurance; you never know when you might need it. Unexpected illness can develop at any time, or you could be the unfortunate victim in an automobile accident. These tips will help you to decide on the correct health insurance policy for you and your family, at the right price.