subject: How Much Do You Really Know About Your Health Insurance? [print this page] At first glance you might believe that you know exactly what your insurance company is providing you but when you look at the bigger picture there can be a fair amount of information that's hidden in the policy documents and if you do not know what to look for you may not understand what your health insurance company is limiting until you are left with a big bill. Those policy documents are written in something other than English and if you want to find out what they really say it is going to take a little bit of reading and research.
Most people know to look at the co-pay or co-insurance amount and the deductible but most insurance companies recognize this and therefore they don't normally change these amounts too much. While these items seem of the utmost importance to most people it can be the exclusions and limits, which are set about by the health insurance companies, that make your insurance become a lot more costly.
This can be extremely frustrating for those who are finding that conventional treatments are not working and who are looking for a reasonable alternative. Unfortunately many of the alternatives that exist are still in their trial phases and keeping this in mind the insurance company can not in good conscience pay for such risky courses of treatment. On the other hand, if you are trying to save your life you may be left with no alternative but to try something that is still in its trial phase and this can be very financially taxing.
Your doctor's office may be able to help you come up with an alternative way to pay for these much needed treatments as there are grants available as well as some medicine exchange programs where people return the unused portions of their medications so that others can have them for free. Most doctors' offices will lend a hand in helping you find an alternative treatment that is recommended for you.
It is your right to entirely grasp all that your health insurance policy is supplying you and what they are not. Taking the time to make your selections carefully and gaining a total understanding of your entire health insurance policy will help you to make the most out of your insurance benefits and will also make you aware of any pitfalls that you may run into along the way.
by: Ethan Kalvin
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