One of the most expensive mistakes people make is assuming their insurance coverage is guaranteed, no matter what. But getting your health insurance to pay for your care is not cut and dry.
Most insurers require policyholders to follow their administrative rules before they’ll pay the full amount outlined in the plan. For example, some plans require you to get a referral or pre-authorization before you receive treatment. Others require you to meet your yearly deductible before they’ll pay for some services.
Even if a specific treatment is covered by your insurance policy, you need to follow all the rules to get the full or partial reimbursement your plan entitles you to. If you forget a step, you could wind up with a big unexpected bill.
And the best time to get familiar with the rules of your health insurance policy? Right now, before you need treatment.
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