6. Commit to recovery. If you’re recovering from surgery and facing rehab, follow the recovery regimen diligently. Get your physical therapist to maximize your “homework” routine to save on clinic visits. But don’t put off the pain: Incomplete healing can lead to reinjury or permanent disability.
7. Know your rights. If you lose your insurance, study the COBRA rules and 62-day insurance “gap” rules to avoid a costly coverage error, particularly if you have a preexisting condition.
8. Fight claim denials. Experts say that 70% of health-insurance claim appeals are successful, and there are Web resources and people who can help.
9. Get organized. Many people are sloppy about keeping copies of prescriptions, test results, insurance claims, and the like. If you have your documents in order, it will be easier to win a disagreement with an insurance company, and it can lead to more efficient appointments with your doctor.
10. Bargain down costs. Both doctors and hospitals will actually negotiate, and sometimes adjust their bills based on patient needs, ability to pay cash, and other factors. And if you’re facing a hospital stay, there are things you can do before and after to avoid overcharges, including packing your own drugs, keeping a treatment log, and asking for an itemized statement.
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Comments (25)
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Reason number 10 is something many people are not familiar with. If you feel awkward talking to your doctor or hospital there are professional medical bill negotiators who can represent you. INSNET,LLC will review and negotiate any medical bill exceeding $200.00. They charge a percentage of the amount saved, with no fee if there is no savings. Visit http://www.myinsnet.com for more information.
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Some great points here. The other thing to remember is choosing the right health cover( http://www.savingtoinvest.com/2008/10/health-care-plans-10-tips-on-choosing.html ). The more informed you are about your coverage options and their costs, the more equipped you will be to make the best choices for you and your family for the coming year.
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Nice post thanks for the information, keep it.
Greetings!
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rajini Sun, May 10, 09 at 10:31 PM
hi I know that approximately 4.8 million people have been laid off just as of january of 09. The healthcare in the US is not exactly great and cobra…wow! approx $1000/month for a family of 4…These days it is hard to feed your family and have a shelter over your head let alone insurance. My husband lost his job and i am a work at home, we couldnt afford health insurance and like every other american i surfed the internet for an answer. Finally i found it and I wanted to share this with all those people looking for alternatives to traditional insurance, its a discount health benefits plan….visit http://www.mybenefitsplus.com/rals for more information.
Discount health plans http://www.mybenefitsplus.com/rals plans as low as $19.95/month for the entire family. And you dont have to argue with the doc for a discount….lol