You’ll want to keep these tips in mind when you’re picking a plan.
There are many different types of health insurance plans. The more information you have, the better your decisions will be.
Find out if you need to have any medical services, such as surgery, authorized by the plan beforehand. If prior authorization before a medical procedure is required and you have the procedure done without having it authorized, your plan may not cover it and you may have to pay the entire cost.
Use your plan to help cover medical costs for services, such as going for checkups, filling prescriptions, and getting emergency care. Using your benefits may help you stay healthy.
If you are denied coverage for a service that you think is covered by your plan, you may be able to file an appeal. Check your policy to find out how to file an appeal.
A prior authorization is a request submitted by your health care provider to your health insurance company to support your need for a specific prescription medicine. If your medicine is not covered, ask your health care provider if they will provide your insurance company with the information required for a prior authorization. This may help provide you with access to the medicines you need.
They understand health insurance and will be able to provide advice.
Be sure to read the summary of benefits and coverage (SBC) for each plan you are considering. The SBC is a short, easy-to-understand summary of what benefits each plan covers and the associated costs. Look for a plan with benefits that match your medical needs. If you have questions about an SBC, it may help to speak to the health insurance provider.