Choosing the right option when you buy health insurance plans isn’t always easy, especially when the future is uncertain. But it is possible. Here are some tips to keep in mind:
- Always bring your insurance ID card with you. When you go to a doctor or medical facility, you will need to give your insurance card to the person in-charge. They’ll then ask you to fill out a form, while they contact your insurance provider. Your insurance ID is important because it identifies who you are and shows what kind of coverage you have. The card can tell you which hospitals are specifically included in the plan and how much you can be covered for.
- Always have another ID card with you. Your ID card is crucial because the hospital and the insurance company will want to make sure that you’re really the person covered by the health insurance plan. So make sure that you have a picture ID that your insurance and the hospital will accept, such as your driver’s license.
In some cases, you may also be asked to pay for various charges from your treatment. Sometimes there may even be some expenses not covered by your plans, so you have to pay for them yourself.
- Get the list of hospitals covered by your insurance. In general, insurance providers have a list of hospitals covered by your plans. Get this list printed (along with the locations of the hospitals) and also put it in your wallet. This will tell you which hospitals you can visit when you need to go for a checkup or for a treatment.
Also, when you need emergency medical attention you can ask to be brought to the hospital that’s covered by your plan. That should make your life (and your recovery) much easier for you.
- Always keep your family’s medical records. This should be done for everyone in the family covered by your health insurance plan. These papers should include each person’s list of previous illnesses and injuries, any surgical procedures they may have undergone in the past, any medication they may be currently on, and anything they may be allergic to.
Have a folder for each person’s medical records, just in case. So whenever you or your kids go to the doctor, place the papers in each person’s medical file. Then if anyone in the family needs to be treated at a hospital, you can then have the medical info ready for the doctors and nurses.
This is very important. With a proper medical history, doctors may be better able to diagnose your condition much more accurately.
- Find out exactly what kind of treatments and services you’re entitled to under your healthcare plan. This is something that you should go over with your insurance agent very carefully.
Read the fine print of your contract with your insurance provider, and discuss the matter with your insurance agent.
You really should know which services are available to you. You may not think you need it, but if extra checkups, tests and treatments are part of the plan then you may as well use them. You’re already paying for them anyway.
It’s also crucial that you know which services or treatments are not included under the plan. That way, you can avoid these treatments if you don’t have to get them and get the alternative treatments instead. If a treatment you do need or want is not covered by the plan, then you may have to switch to a different plan.
Consult this list if someone in your family needs medical attention, so that you know precisely what to do when the need arises. Sometimes these events can be nerve-wracking, so a list can help you focus your thoughts.