5 Things New Health Insurance Users Should Know

November 12,2015 / By Som Chaudhuri

Som Chaudhuri

5 Things New Health Insurance Users Should Know

Dealing with medical insurance, doctors, hospitals, and medical billing is unknowingly a very complex process. Out of all these, medical billing is an imperative part of healthcare insurance. If not checked meticulously, one might sink into the well of hefty bills.

To avoid consequences, newly insured people should keep these points in mind:

1. The insurer’s website is a good source of information. By referring to websites, one can know about the directory of in-network providers, specific claims, and amount of deductibles at the end of the year.

2. The explanation of benefits (EOB) is a very valuable document. It shows how the process of payments goes to medical providers.

3. The health insurance companies provide some services free of cost. The Affordable Care Act provides several preemptive services and screenings which are free under the insurance. Blood-pressure screenings, annual well-woman visits, and immunizations are some of them.

4. Co-pay can be managed. Usually, the new enrollee will pay lower co pays and deductibles when they will access care through an in-network provider.

5. Check the out-of-network & in-network services your benefits include. A new enrollee should know well how they will be benefitted.

Therefore, before purchasing health insurance, a new user should be very attentive. They should analyze all the pros and cons before moving forward. Buying  health insurance in a rush could lead to a financial turmoil.

 

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