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Protection for Your Health

Aug 17, 2007
Health insurance is a kind of protection that provides payment of benefit for covered sickness or injury. Included in health insurance are various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.

Before sign the protection policy make sure that you have read thoroughly the benefit section. Take note of any health care service that is not covered by your health insurance policy. Also, pay specific attention to how the protection policy is worded. Sometimes, health insurance companies hide the protection coverage exclusion within the definition of word.

Make sure the company is regulated by your state. An out of state company may not be. Some agents join an association to obtain coverage.

Check the company best rating and the company should tell you what the whole picture. However, double check at the best web site for any updates.

Check with the state insurance regulatory body. Contact information for each state can be found at the web site.

Is the company covered by state insurance law?

There are few things you need to consider before getting one. Here are some suggestion and resources for reducing expenses if you have no protection coverage, or you have not met your deductible.

Doctors

If your doctor visit would not be covered by insurance, then it pays to comparison shop. When calling for an appointment, find out the charges. Ask for a discount for cash since the doctor staff will not have to complete insurance paperwork.

Hospitals

Hospital expenses can be negotiated too. Prior to admittance, talk to your physician and the billing department of the hospital to find out how you can keep expenses down. For example, you might be able to have your operation done on an outpatient basis. You can often negotiate a lower charge, particularly if you can pay that amount in cash. Additionally, hospitals often have sources for interest free loans.

Prescription drugs

If you are not eligible for Medicare, you can receive help with prescription drugs if you have no prescription coverage and you meet income guidelines. A number of the large drug companies have established program.

Get Second Opinion

Get a second opinion if surgery is suggested. The cost for a second exam could be offset by savings if another physician disagrees with the diagnosis or treatment.

Therefore, you should read over carefully the protection policy definitions, paying close attention to the seven keywords such as medical emergency, medically necessary, accidental injury, experimental or investigational, pre certification, pre existing condition and reasonable and customary

These words and any words that are open to interpretation should be regarded with wariness. Find out how your protection company defines each of these.
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