Health insurance. What should it be like?
Published October 18, 2010 | 
There are several kinds of insurance included into Health Insurance: dismemberment insurance, accidental death insurance, medical expenses insurance, disability income insurance and accident insurance. In general, Health insurance gives us protection in getting payments if we are sick or injured.
Make sure that you read the health insurance policy very thoroughly, especially the section that describes the benefits. Sometimes companies hide the excluded from the insurance services within the definition words. So, you have to pay special attention to the wording of the document before signing it.
Say, the word “emergency” for you means any case that needs to be treated by a doctor immediately, while your insurance company may see it as any case than threatens your health and where a primary care physician cannot help.
So, if you break your arm and think that your insurance company will cover the costs of your medication, you might be surprised when it won’t because this case does not threaten your life.
There are several key words that you have to pay attention to when reading your insurance, they are: reasonable and customary; medical emergency; accidental injury; medically necessary; experimental/investigational pre certification; pre-existing condition.
Find the definitions for all of these words before signing.
If you have any questions concerning the reimbursement you should consult your insurance company. Read through the section that describes the steps to make to get your benefit very carefully.
Use an on-line service to compare different contracts. Do it before signing one, pay close attention to the section where exclusions are mentioned.
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