How To Avoid Unexpected Medical Expenses

KNOW YOUR COVERAGE.

* What is the deductible and co-insurance?

* Learn about any exclusions or limitations

* What network does your insurance use?

* Is there coverage out of network?

* Do you need pre-authorization? 

1.

USE IN-NETWORK CARE PROVIDERS.

* Do NOT ask "do you take [XYZ Insurance]"

* DO ask "are you in [ABC Network]"

2.

PLAN AHEAD FOR A PROCEDURE.

* All care providers and facilities in-network.

* Get cost estimates.

* Include pre and post treatment.

* List all medical procedure codes.

* Ask providers how to lower costs.

* Ask your insurance company for help!

3.

BUY SUPPLEMENTAL COVERAGE.

* Do this before you have an illness or injury

* Low cost accident, critical illness, hospital and surgical plans can pay your deductibles and co-insurance.

* Enroll with a Medical Bill Negotiator 

4.

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