Everybody knows your health is the most important thing. How to stay healthy is more challenging. Finding the right provider to give you advice and keep you on the path of health is a big part of that. This series of posts will give you some tips to help you find someone you can trust to be your partner in getting and keeping your best health.
Step IV. Know Your Insurance Policy
- Whether this is a policy you have had for many years or one you are considering buying today, you should make yourself familiar with all the details of your health insurance policy. Remember, when you buy a health insurance policy you are creating a contract with a company to provide services under specific conditions. You should not depend on your doctor or medical office, make sure you know at least the following about your particular contract:
- PPO or HMO
- Covered services
- In network lab and radiology facilities
- Co-pay/deductible/co-insurance
- Special riders/exclusions (pre-existing conditions, maternity coverage, contraception exclusion)