subject: What Your Benefits Are- Know Your Health Insurance Plan [print this page] Everywhere you look you see articles telling you to read your health insurance policy. While this is of course excellent advice it is not only important to read your health insurance policy but to really understand it as well. Many times this may require reading and re-reading your policy, looking up terminology online and perhaps even consulting with someone from the health insurance company to help you to really understand what is outlined in your health insurance policy.
When looking at your health insurance policy you will want to pay particular attention to the exclusions of your health plan. For instance many times the insurance company will use words like with the exception of or excluding treatment of and these terms can let you know those things that your health insurance won't cover.
Another way that health insurance companies get off the hook for certain expenses is by requiring pre-authorization. If you don't get this from your health insurance prior to getting treatment they may deny your claim and this may leave you with many unpaid medical expenses.
Much to the surprise of many who carry insurance there are many benefits that can be unearthed using this method of researching your health insurance policy. In addition to covering items like doctors visits and health screenings there can be other health related benefits included in your health insurance plan like those that include health promoting items like vitamins and healthy foods and even extra benefits outside of the scope of medicine like alternative treatments for diseases and injuries such as acupuncture, chiropractic care and nutritionist services.
You can only make the most of your health insurance policy if you fully understand what is included and excluded from your policy. Exploring your benefits and getting a full understanding of your health insurance can help you not only to find out what your insurance won't cover but what they will as well. It is really to your benefit to fully understand your health insurance policy.
by: Ethan Kalvin
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