| You have heard of the fine print. How many | | | | your operation. You may have coverage that you |
| people ever read it? Those who are getting health | | | | think will cover all surgery and surgery procedures |
| insurance benefits should read every piece of | | | | but, only covers certain things not all of them. Find |
| paper and more that comes with their policy. You | | | | out all that will be involved in your particular |
| need to understand the coverages you are paying | | | | surgery and make sure it is covered by your plan. |
| for. When reading through your insurance plans, | | | | Make sure you know everything your coverage |
| you will need to watch out for a few things that | | | | will pay for when it comes to surgery. How sick |
| could limit your care. | | | | would you feel if you have your surgery and then |
| Your fine print may state that before you can be | | | | a bill for other services need to be paid right from |
| treated for even the most routine things, you | | | | your own pocket? Most of us would feel pretty ill. |
| need to get an authorization code. You also need | | | | You may also find that your health care coverage |
| to make sure that this code is on that your | | | | only allows you so many treatments for things. If |
| insurance company finds standard. If the code is | | | | you need physical therapy after your surgery or |
| not approved, you could wind up paying for the | | | | an accident and you need more than your |
| care or treatment out of your own pocket. You | | | | coverage allows, you need to be prepared to pay |
| can appeal their decision not to pay but, it takes a | | | | for it yourself. At a time like that you do not |
| long time and a lot of wasted effort to be told no! | | | | need any surprises. You want to follow through |
| Most appeals are never won. You need to make | | | | with all treatment necessary instead of having to |
| sure that you are covered from the very | | | | stop because you can not pay for it yourself. |
| beginning and know what is expected from you. | | | | Be informed on everything that your plan does |
| From time to time, you may need some surgery | | | | and does not offer. Read through the fine print |
| to treat a major medical problem. In looking for a | | | | and then some. Be familiar with everything about |
| surgeon that will be covered under your insurance | | | | your policy. When thinking about having any |
| you also need to find out if the other surgery | | | | medical treatment, you need consult your |
| specialists are covered. You will need | | | | insurance provider about any possible problems |
| anesthesiologists and possibly others to help with | | | | that could arise in coverage. |