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
How To Keep Your Doctor When You Change Health Plans
Next » « Previous18/19
Ask your doctor if he or she will join the new plan.
If the doctor will join the new plan, you're set. If not, find out why. The doctor's reason(s) may give you insight into your new plan.
See if the plan has a provision about "continuity of care" under which you have a right to continue to see your doctor for a period of time -- such as ninety (90) days -- or until the doctor certifies it is safe to transfer you to a new doctor.
Check your state law. Even though there is nothing stated in your policy, you may have the right to stay with an out-of-plan doctor, at least for a period of time. To learn about the law in your state, see: www.healthinsuranceinfo.net . To find the contact information for your state's insurance department, see: www.naic.org
If there is no right to continue to see your doctor, decide whether it is worth it to you to pay the additional money required to see a doctor who does not participate with the POS insurance plan. It may be worthwhile for a short period of time (say during treatment.) Ask the doctor to order tests and treatments through in-network doctors.
Please share how this information is useful to you. 0 Comments
Post a Comment Have something to add to this topic? Contact Us.