Content Overview
- Summary
- Keep Your I.D. Card With You In Your Wallet Or Purse
- Stay On Top Of Insurance Company Reimbursements
- Keep Track Of Out-Of-Pocket Medical Expenses
- Avoid Paying Money In Excess Of Usual, Customary And Reasonable
- Be An Informed Consumer When Purchasing Drugs, Tests Or Treatments.
- Balance Premiums, Deductibles, Co-Insurance, Stop Loss, And Benefit
- Take Advantage Of Discounts And Wellness Features
- If You Smoke, Quit.
- If You Need An Unusual Off Label Or An Experimental Treatment
- How To Change An Insurance Company "No" To "Yes".
- How To Choose And Maximize Use Of Doctors
- If Your Plan Has Mental Health Benefits, Take Advantage Of Them
How To Maximize Use Of A Fee-For-Service (Indemnity) Health Insurance Policy
Take Advantage Of Discounts And Wellness Features
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Discounts
Check your policy for discounts such as with respect to medications and/or wellness items.
Wellness Features
Health insurance policies these days are likely to include wellness features to help people stay healthy and maximize disease fighting ability.
- Gyms: In spite of your health condition, there may be a premium discount or refund for belonging to, and/or going to, a gym. (To learn how to choose a gym, click here. To avoid infect ion in a gym, click here)
- Nutrition: There may also be access to a nutritionist,
- Complementary Therapies: While it may not be stated in the policy, complementary treatments such as Yoga or meditation may be covered. To learn about complementary treatments, including their benefits and how to find an appropriate professional, click here.For information about specific complementary therapies, including how to find an expert, see:
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