| Health
insurance is a kind of protection that provides payment
of benefits for covered sickness or injury. Included
in health insurance are various types of insurance
such as accident insurance, disability income insurance,
medical expense insurance, and accidental death and
dismemberment insurance.
Before
sign the health insurance policy make sure that you
have read thoroughly the benefit’s section.
Take note of any health care service that is not covered
by your health insurance policy. |
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Also,
pay specific attention to how the health insurance policy
is worded. Sometimes, health insurance companies hide the
health insurance coverage exclusions within the definitions
of words.
For instance, a health insurance company may define the
term ‘emergency’ as anything that is life threatening
condition that cannot be reasonably treated by a primary
care physician. Whereas, your definition of ‘emergency’
may be anything that requires quick medical attention.
Clearly,
there is conflict for the two definitions. If you find yourself
in an emergency situation where you incur a broker arm,
for instance, your insurance company may deny coverage for
emergency room treatment of a broken arm for
the reason that the broken arm does not fall under the life
threatening category.
Therefore,
you should read over carefully the health insurance policy
definitions, paying close attention to the seven key words:
- medical
emergency
- medically
necessary
-
accidental injury
- experimental
or investigational
- pre
certification
- pre-existing
condition
- reasonable
and customary
These words and any words that are open to interpretation
should be regarded with wariness. Find out how your health
insurance company defines each of these.
Finally,
find the section describing the procedures you must follow
in order for your insurance company to reimburse you. These
policy conditions or prerequisites are
typically worded in a positive tone. Read through each condition
carefully, make notes and call your health insurance company
with any questions.
You
should also compare health insurance contracts before you
sign one. In order to compare exclusions, take two policy
contracts and find the exclusions sections. If you want
to compare a number of health insurance contracts then you
could use an online service.
After
you obtain your free quote for the health coverage you desire,
apply for it online, and you'll obtain all the information
that you'll need to compare exclusions of each health insurance
policy (though sometimes this will require more research.)
About
the Author
Mike
Spencer recently became unemployed and moved into self employment.
He was forced to find his own health insurance plan to protect
his family. It wasn't as easy as he first thought. Here
he shares the pitfalls of various plans and what you need
to look out for when picking a good plan for you:
http://www.1st-for-health-insurance.com/articles/what-is-health-insurance.html
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