Having Your Own Customized Health Insurance Policy

If your only concern when choosing your health care plan involves co-pay and deductible, then you could be in for some rude awakenings. The policy paperwork holds secrets that could save you some serious money and make many of the headaches go away.

PRIMARY PHYSICIAN - Many people are part of a PPO and are not even aware of it. If you are in a PPO then there are a list of physicians that if you go to them you will have to pay a lot less out of pocket for your health care. In an HMO you save money when presenting all illnesses to your primary physician first. Knowing these things about your policy can save you quite a bit of money.

Many health insurance plans require you or a health care provider to get PRE-AUTHORIZATION from your insurance company prior to emergencies that require admission and treatment at a hospital. Failure to follow these important steps might result in you paying for all the emergency care yourself. What most policy holders don't understand is that many of these situations are considered to coverage under a extra long term care plan and that these benefits are what covers this type of emergencies. If you don't have such a policy, you might want to see about getting this type of coverage. It is associated with long term health care and can quickly amass a rather large health care bill.

While most health care policies cover traditional treatments and care, you might be surprised to find that many don't include options such as chiropractic care, herbalists or massage therapy care. If this is part of your health care regiment, you will want to make sure your policy has these services included or allow you time to find a policy that will cover these health care options.

If at all possible, steer clear of all policies that have a Lifetime Maximum attachment to the policy. The maximum amount can range form five hundred thousand to one million dollars of coverage. Simply defined, this type of policy will only cover this amount of health care for your entire lifetime. These amount might seem huge, but should you have some type of illness or emergency that requires the services of specialists and continues on for an extended amount of time, this amount will not go very far, leaving the remaining burden falling on you. Stay away from any policy with a cap or limit such as this, to keep your finances in good health. All health insurance is for your protection and making sure is fulfills your needs is very important. The wrong policy can end up costing you a lot of unnecessary money and grief.