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Reading a health insurance policy


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A short summary of how to read a health insurance policy.

Published in: Health & Medicine
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Reading a health insurance policy

  1. 1. Reading A Health Insurance Policy<br />What To Look For<br />
  2. 2. Company<br />Insurance offices can<br />be a tree’s worst<br />nightmare. Papers are<br />everywhere at times. <br />Mistakes can happen. If<br />you used an insurance<br />agent, verify that the<br />policy you got is from<br />the company you<br />applied to.<br />
  3. 3. Policy Type<br />Verify the type of health insurance you want is the type you were given.<br />Discovering there has been a mistake after an accident or illness is too late.<br />
  4. 4. Rights<br />Instructions on how to appeal a decision your insurance company makes that you do not agree with should be in the first 3 pages of your policy.<br />
  5. 5. Riders<br />Are the ones you wanted there?<br />Are riders present you did not want?<br />
  6. 6. What will your health insurance policypay for?<br />Benefits<br />
  7. 7. Limitations & Exclusions<br />Limitations<br />Exclusions<br />Know what things your insurance will only pay partially for.<br />Know and understand what you insurance will not pay anything for.<br />
  8. 8. How to use your policy to pay for out of network medical care.<br />Claims<br />
  9. 9. Definitions<br />Your policy is a binding legal contract.<br />The definitions section defines what words and jargon mean<br />
  10. 10. If you have any insurance related questions you may contact Tim Barnes, CLU through the contact page on the web site below.<br /><br />