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
Negotiate Fees With Out-Of-Network Health Care Providers
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Ask out-of-network providers if he or she will accept the in-network fee for services or accept what Medicare pays. To find out what Medicare pays for the procedure, see www.cms.hhs.gov , look for physician's fee schedule.
The American Medical Association says doctors have an obligation to compassionately consider the patient's ability to pay.
Most doctors have different fee schedules for the same service depending on who is paying for the service. Studies show that the success rate is high enough that it is worth negotiating fees with a provider. It may be uncomfortable the first few doctors you ask, but what do you have to lose?
It may be uncomfortable the first few doctors you ask, but what do you have to lose?
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