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
Stay On Top Of Insurance Company Reimbursements
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Originally, the insured was required to pay the bill and then seek reimbursement from the insurance company. Today, most doctors and other providers submit bills directly to the insurance company on the patient's behalf, receive the payment directly, and then bill the patient for the difference between the total bill and the amount received from the insurer. While this practice spares you the up-front hassle of paying the bill and waiting for reimbursement, you still have to keep track of payments and amounts due from the insurance company.
To learn more about bills and indemnity insurance, see: Health Insurance Claims When You Pay Part Of The Bill
For an easy system with which to keep organized, see: Keeping Track Of Your Claims For Medical Bills: A Simple Method
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