Health Insurance Dos and Dont’s

Health insurance can be complicated. Knowing what’s covered and what’s not isn’t always clear. The great news is that by following a few do’s and do not’s, you’ll be one step closer to using your health care policy effectively and in a way that works best for your personal needs. If you aren’t sure how to use your insurance properly, read on for ideas.

Don’t make assumptions.

Never make assumptions about an insurance company, plan, or policy based on what someone else has said or experienced. No two insurance companies are exactly alike. If you have specific questions about your plan or even during open enrollment at the end of the year, be sure to ask.

One way to check on your insurance company’s coverage options and limitations is to check out reviews and compare them to other companies. Visiting websites that focus on reviews to check on something specific for Molina insurance, for example, is important. If you can’t find answers there, be sure to give your insurance agent a call.

Maybe you love to travel overseas. Don’t assume that your insurance company will cover you on that road trip after Covid-19. When making your travel plans, especially in other countries, you’ll need to check with your health insurance company to be sure you’re covered.

Do ask questions.

Never hesitate to ask questions about coverage options and limitations. For example, if you hope to take a vacation after the pandemic ends in the U.S., you’ll want to be sure you’ll have coverage in a state you don’t live in. The first thing to do if considering domestic travel is simply to give your insurance company a call and ask directly about your health plans’ rule for coverage during United States only travel. Doing so will give you peace of mind on your journey.

Maybe you aren’t worried about health insurance in National Parks far from home. Maybe your concerns are related to things like coverage for vaccines in early March. Give your insurance company a call. Too many people spend a long time wondering what will be covered or not and even put health care off because they don’t want to make that call. This is a mistake. Your health insurance provider is paid to be there for you the same way your travel agent is. Reach out and make an effort to better understand the basics about your health insurance

Don’t overlook alternative coverage.

Never overlook additional coverage or perks your health insurance plan might have. Many people sign up for the first health insurance policy they can afford and make assumptions about coverage. Not only is this a problem, but it means they miss additional coverage options they may very well be paying for. When signing up for coverage, set some time aside to ask about extra coverages like preventative care programs, smoking cessation, and over the counter wallet funds. You might be surprised to learn you can get a free gym membership, eyeglasses, or assistive equipment just by asking.

Especially for seniors on Medicare advantage plans, ask about over the counter medications and other services. For you, there are even more options when it comes to extra perks of coverage. Be sure to ask your health care insurance representative if you’re using every option.

In the end, the key to using health insurance effectively is to understand that no two policies and the way they work for a person are exactly the same. Understanding your specific policy, asking questions, not making assumptions, and being your own best advocate are all important in using your insurance in a way meant to give you a better quality of life and keep you healthy. By taking the time to review your top quality coverage carefully now, you’ll thank yourself down the road.

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