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