Having insurance is a no brainer, and it’s something that we all have to deal with because medicine is just too expensive. However there’s another side to that, which causes may people problems, and it is that there are tons of flaws with the insurance system. Whether through a lack of preparedness on your part, or just an overall lack of coverage in the plan that you chose. You’ll find that there are tons of issues that can arise because of your insurance and the sort that you choose, and you really have to protect yourself by being aware of what can go wrong with health care insurance.
This means that you have to ensure you have the right type of coverage, but also that you really understand what can go wrong so that you know all the factors of your plan. Something that you’re going to find when it comes to health care insurance, is that it’s so vital to know what can go wrong so that you can make sure everything goes right. So here are some of the most common problems with insurance, so that you can avoid them or deal with a problem as they arise:
1) Finding out something is not covered under your insurance.
This is one of the biggest problems with health care insurance that most people have, and it’s an easy one to avoid just by going to into specifics of your plan before you sign up. You don’t just want to get any insurance, and rather you want to be sure that you have the most comprehensive plan possible. This means looking into what your plan provides for, and what your plan is going to mean in the even of an emergency. Some services just will not be covered unless you go through the proper channels. Your job is to know what the proper channels are, so that you can keep yourself totally safe.
2) Appealing a denied claim.
Another problem with health insurance is that the claim system is not perfect, and you’re going to find that there are plenty of instances where you can actually be denied coverage when you should have had protection. This is a major issue, and you’re going to find that there’s plenty that you can do to avoid just having a claim denied outright. Mainly that means the appeal process, and by law you’re allowed to make several different appeals before a claim can be fully denied.
3) Not having enough money to afford your deductible.
Of course, you’re also going to find that health care insurance can be a burden when choosing a plan in the first place if you’re not careful. Everybody wants a low premium, but lower premiums come at the expense of a higher deductible and you may not have the money to cover that in the event of an emergency. But this is also one of the easiest problems with health care insurance that you can get around, just by getting a health savings account. This way you can set aside money to be used for medical expenses, whenever they might arise.
4) Ways to manage your problems.
Of course, when something does arise that you have an issue with, you have to handle your problem in the right way. Health insurance can be a bit tricky, and if you don’t go by the book when handling your claim, you can find it pretty difficult to have a problem solved, like a claim that should be paid but was denied. Here are some things you want to keep in mind through all correspondence with your insurance company:
-Always keep copies of all letters to and from the insurance agency, you never know when they could come up, or how many simple problems with health care insurance could have been solved by just having these records on file.
-If your claim is denied, always make sure you get a copy of the denial and reasoning behind in writing as this is a necessity for your appeal.
-Act fast when you have a problem, sometimes waiting longer than 30 or 60 days can leave you out of luck, so don’t hesitate to call today if you feel aggrieved.
-Always take notes of your phone communication as well. Write down key points for what you talked about, when you called, as well as any confirmation numbers that you’re given. This will also be handy when trying to resolve your health care insurance problems.