Tips for Making the Most of Your Health Insurance Coverage
Nothing is more stressful than dealing with unforeseen changes surrounding your job, income and health. Fortunately, you’re not alone in dealing with these events and help and guidance are available.
If you have pressing questions relating to your health insurance, reach out today.
And if you simply want to make sure you’re making the most of your existing coverage, here are a few things to keep in mind:
Don’t Skip the Care You Need
In normal times, it’s important to address worrisome issues (even small ones) and stick to your preventive care appointments so that you can help keep bigger problems from developing.
Considering the present circumstances, many elective surgeries and regular appointments are being put on hold in the interest of safety. That being said, if you’re experiencing any troubling symptoms or have urgent questions, you should still call your doctor.
Many issues may be resolved via phone or by using telehealth services. And of course, if you’re experiencing the symptoms of what could be COVID-19, take care and follow the proper guidelines.
Don’t Overestimate Medicare
Many people overestimate what their Medicare benefits will be. Make an effort to learn what your policy does and doesn’t cover to help avoid expensive surprises.
Note: Medicare benefits have temporarily been expanded to include telehealth services related to COVID-19, and associated lab tests and necessary hospitalizations may also be covered.
Don’t Blindly Pay Medical Bills
Mistakes happen, so it’s important to read over every bill carefully in order to spot and question potential errors.
If you see a problem or don’t understand something, contact the doctor’s office immediately for clarification. Then, verify that information with your insurance provider. In the case of a surprise bill, you may be able to negotiate or request a payment plan.
Hopefully you and your family are staying well. If you’ve experienced a change in income or employment and you’re wondering about your health care options, please reach out for assistance.