It is important that you understand your insurance health plan coverage for you and your family members.

If you are proactive and know up front what your insurance plan will pay or not pay, you will not be as surprised when the bill reaches your home based on what you have learned.

Each healthcare insurance company provides a handbook for you to reference in detail.  Also, don’t forget your insurance card provides an “at a glance” reference on co-pays and coverage.

It is important if you do not understand your healthcare benefits to contact the Customer Service Department for your health plan.  This should be listed in your handbook as well as on the back of your health insurance card.

So, what happens if a service is not covered what can you do?  Here is as link to reference that may help you.

So, now that you know what to look for and gain knowledge about where your health care plan is concerned, December’s article will talk about an explanation of Benefits (EOB) – and how to read an EOB so it makes sense to you.