The healthcare system can be web of confusion.  It is easy to feel overwhelmed by the prospect of making a call to your insurance company, or to find a doctor, or understanding a new diagnosis. Accessing the information you need from the healthcare system can be a daunting, stressful and exhausting task.  As a healthcare advocate, I navigate the system everyday for my clients and know the barriers and frustrations involved.  Over the years, I have developed techniques to get successful results.  I would like to share a tip each day to assist you with better results while dealing with the healthcare system.

 

                           

                                                      Tip #1 The Insurance Policy

Know what your insurance policy covers.  If you have a hard copy, take the time to read the details. If there is no hard copy, most insurance companies have all details of plans available on their website.  By reading the plan, you will know co- pay amounts, what needs prior approval, how much is the deductible and what is considered out of network.  This information can make a difference in knowing your cost for different procedures, hospitalizations and doctor’s visits.  It will also give details as to the appeals process.