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
Take Advantage Of Discounts And Wellness Features
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Discounts
Check your policy for discounts such as with respect to medications and/or wellness items.
Wellness Features
Health insurance policies these days are likely to include wellness features to help people stay healthy and maximize disease fighting ability.
- Gyms: In spite of your health condition, there may be a premium discount or refund for belonging to, and/or going to, a gym. (To learn how to choose a gym, click here.To avoid infect ion in a gym, click here)
- Nutrition: There may also be access to a nutritionist,
- Complementary Therapies: While it may not be stated in the policy, complementary treatments such as Yoga or meditation may be covered. To learn about complementary treatments, including their benefits and how to find an appropriate professional, click here.For information about specific complementary therapies, including how to find an expert, see:
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