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
Summary
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The following guidelines can help maximize use of a POS ("Point of Service") type health insurance policy. For information about each guideline, please click on the link:
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- Ongoing
- Medical services
- Finances
- Negotiate fees with out-of-network health care providers.
- Stay on top of insurance company reimbursements.
- Keep track of your out-of-pocket medical expenses.
- Avoid paying money in excess of what the health insurance industry calls "Usual, Customary and Reasonable".
- Be an informed consumer when purchasing drugs, tests or treatments.
- If you have a choice, balance premiums, deductibles, co-insurance, stop loss, and benefits.
- Your insurer
- If your insurer has a case manager who helps coordinate care, consider him or her a resource for information and guidance. Try to make friends.Keep in mind that insurance policies are not set in stone. You can negotiate.
- Don't accept a "no" from the insurance company. Appeal, appeal and appeal again.
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