Tips to maximize your health benefits

Date Published: Aug 09 2010

Discuss how the new health care law will affect your plan. If you get group insurance through your employer, talk to your human resources representative. If you have individual insurance, make an appointment with an insurance broker.
If you're in the market for individual health insurance, shop around. Just remember, premiums are only one part of the cost equation. Consider deductibles, co-pays, coinsurance and other out-of-pocket expenses.
Keep a copy of your health insurance policy handy. You don't need to memorize it. Just get in the habit of checking what's covered before medical appointments. If you're still not sure if something is covered, call your insurance provider for clarification.
In addition to your doctor or specialist, verify with your insurer that any labs, surgery centers or anesthesiologists are in network.
Check your bills closely. If you can't get a claims dispute resolved through your provider, call a patient advocate or your state insurance department.

Wait! You’re not going to hire a service provider without checking Angie’s List first are you? Join Now!

Health insurance cutoff age to be on parents' plan now 26

Certain circumstances, such as a pre-existing condition, could prevent a parent's health care from applying.

Comments

Permalink Submitted by Bailey on Tue, 2012-02-07 14:10

In most companies health benefit are administer by outside resources and by policy HR does not get involved. Second who get a hard copy of a policy are you kidding. The insurer calls all the shots and denies any nonstandard treatment. Try finding a doctor to help you battle an insurance claim. Please update to the current Millenium.

Permalink Submitted by Linda on Tue, 2012-02-07 14:10

Talking to your insurance provider is non existent. They get notices from this horrible government every day and they are having a really bad time keeping up with their changes

Add comment

What is Angie's List

Angie’s List is the trusted site where more than 2 million households go to get ratings and reviews on everything from home repair to health care. Stop guessing when it comes to hiring! Check Angie’s List to find out who does the best work in town.

Answers

Ask a question on any topic covered by Angie's List and see responses from expert service providers and other homeowners with advice to share. Most popular health insurance providers questions:

Local Discounts

Daily deals up to 70% off popular home improvement projects from top-rated contractors on Angie’s List!