Every health insurance policy is different. Therefore, the policy you have may be far different than the one your neighbor or friend has. By taking the time to understand the ins and outs of your plan before visiting the doctor, you can prevent the surprise of paying thousands of thousands of dollars out-of-pocket on tests and treatments.
While you may know how much you pay every month for your plan, you may miss things such as what is actually covered, what doctors can you visit, and what co-pays you owe. Although navigating through your plan may take some time, it can help you determine whether it offers the right type of coverage for your budget and lifestyle needs.
Here are a few things to ask yourself when reviewing your health insurance policy:
Do I have a high deductible plan?
With a high deductible plan, you will be responsible for covering any minor or routine costs until you have met your deductible. Keep in mind that in addition to paying up front for these plans, you may be charged for co-insurance and co-pays.
Which doctors does my plan cover?
If you have a few doctors that you are particularly fond of and visit on a regular basis, make sure to ask whether they accept your insurance. This may seem like a no-brainer but doctors fall out of networks all the time.
Do I understand the summary of benefits?
The summary of benefits on your plan should give you a good indication of what is covered before and after you meet your deductible. In addition, it will outline what is covered when you visit the emergency room and specialists.
Since insurance policies can be difficult to understand, it is in your best interest to reach out to the highly skilled and experienced insurance professionals at The Mair Agency. They can go through your plan and explain it to you in an easy to understand manner while answering any questions you may have. Their expert agents in Charlotte and Raleigh, NC will be willing to go above and beyond to assist you in understanding what your plan offers. There is no reason to go into a pharmacy not knowing
