subject: When It Comes To Insurance, Do Your Homework [print this page] A little homework can go a long way towards saving you some money when it comes to health insurance. All you have to do is take a microscope to check out the fine print and all of the details that tell you exactly what you are entitled to. There are a lot of things that are not exactly easy to understand, so be prepared to put your thinking cap on and find a quiet place and get to work.
Very few people take the time to actually read the policy that will determine who will pay for the cost of your health for the duration of the policy. It takes a lot of time and is quite boring. But when you are lying in the hospital bed in pain after an auto accident, then you might regret not having read your policy. It might not seem like much then, but once the bills start piling up and you thought you were covered all along, it might make for an even more painful recovery.
There are so many different health insurance policies that they all start to sound the same after awhile but, in reality, they are all quite different. Some cover everything from foods to health care and other simply c over the most basic needs. The health insurance companies simply want to make a profit and don't always let you know exactly what you are covered for when you sign on the dotted line. It's you responsibility to understand when you sign the contract.
Reading your insurance documents may make you aware of what you should expect from your health insurance policy and what they expect from you and if you haven't read your existing policy documents you should take the time to do so now. It could be that there are issues in there that limit your coverage and in this case you may not have purchased the right health insurance plan for your needs.
Just make sure you know what to expect when the bills start rolling in. You might want to get a lawyer to help you understand the fine print and, although that alone may cost a few dollars, it will likely out weight the cost that you will be paying the hospital after your claim is denied.
by: Ethan Kalvin
welcome to Insurances.net (https://www.insurances.net)
