Content Overview
- Summary
- Keep Track Of Out-Of-Pocket Medical Expenses
- Keep Your I.D. Card With You In Your Wallet Or Purse
- If You Have A Choice, Balance Premiums, Deductibles, Co-Insurance, Stop Loss And Benefits
- Minimize Out Of Network Costs. For example, if You Agree To Surgery, Make Sure All Members Of Your Surgical Team Are Part Of Your PPO.
- Negotiate Fees With Out-Of-Network Health Care Providers
- Avoid Paying Money In Excess Of Usual, Customary And Reasonable
- Think Of Case Managers As A Resource
- Stay On Top Of Insurance Company Reimbursements
- Be An Informed Consumer When Purchasing Drugs, Tests Or Treatments.
- 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 PPO Health Insurance Policy
Keep Your I.D. Card With You In Your Wallet Or Purse
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Your i.d. card identifies you as insured. It may also state the amount of your deductible, co-pay and/or co-insurance.
The card likely also includes an 800 number in case you need to speak with your insurer.
You'll need the information each time you see a new health care provider. It will also be available in case of emergencies.
Use In-Network Doctors And Other Health Care Providers As Much As Possible
In network providers cost you less money than out-of-network providers.
Consider using out-of-network doctors when you cannot find an in-network doctor with the experience and quality you need. If the doctor recommends tests or treatments, look to see if they can be provided by in-network providers.
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