Content Overview
- Summary
- Keep Track Of Out-Of-Pocket Medical Expenses
- Keep Your I.D. Card With You In Your Wallet Or Purse
- Use In-Network Doctors And Other Health Care Providers As Much As Possible
- If You Have A Choice, Choose More Protection Instead Of Lower Premiums
- If You Agree To Surgery, Make Sure All Members Of The Team Are In-Network
- Negotiate Fees With Out-Of-Network Health Care Providers
- Think Of Case Managers As A Resource
- Stay On Top Of Insurance Company Reimbursements
- Avoid Paying Money In Excess Of Usual, Customary And Reasonable
- Be An Informed Consumer When Purchasing Drugs, Tests Or Treatments
- Take Advantage Of Discounts And Wellness Features
- If You Smoke, Quit
- If You Need An Off Label Or Experimental Treatment, Work With Your Doctor To Get Coverage
- Don't Accept A "No" From The Insurance Company
- How To Choose And Maximize Use Of Doctors And Specialists
- Take Advantage Of Your Plan's Mental Health Benefits
- How To Keep Your Doctor When You Change Health Plans
- Insurance Policies Are Not Set In Stone
How To Maximize Use Of A POS Health Insurance Policy
If You Agree To Surgery, Make Sure All Members Of The Team Are In-Network
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It is not unusual for a surgeon to be part of a network, but not other members of the team such as the anesthesiologist.
Check with the surgeon or with his or her office manager before surgery to make sure that all members of the surgical team are part of your insurer's network. If they're not, you are likely to be billed for their services out of network..
If you unknowingly have team members that are not part of your insurance plan, and the insurer refuses to pay or only pays out-of-network rates, appeal.
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