In a survey published in the September issue of Consumer Reports, 16% of respondents said they have no health insurance. And some said that to pay their medical bills, they ran up large debts, dipped into savings and put off home expenses.
Consumer's Union offers tips to make the most of your health plan:
- Know your plan. Study your Summary Plan Description or ask your employer for a list of features covered. Make sure you have good hospitalization coverage—the priciest health care most people use.
- Double-check everything. Even if your operation is covered by your health insurance, make sure that all the attending physicians, such as anesthesiologist and radiologist, are covered as well. To find out if a physician is in your plan's network, check with the insurance company and the doctor's billing staff.
- Exercise your rights. You have the right to appeal health-plan decisions you think are wrong. Look for a guide to state laws and procedures when dealing with health plan disputes.
For more information, read "Will Insurance Consumers Benefit from Modernization?" in Home & Family Finance Resource Center.
courtesy of cuna.org
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