Medical insurance policy

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Medical insurance policy
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How to Make Best Use of Your Medical Insurance
Policy?
Purchasing medical insurance fills you with a
sense of security and confidence that you and
your family are well covered. But your
responsibility does not end with purchasing a
medical insurance policy. Any financial product
comes with a number of features and benefits, and
you should take the time to understand what
benefits and facilities you are entitled to
receive from your medical plan. If you are fully
informed about your medical plan you will be able
to use it to your full advantage. Here are some
tips to help you accomplish that goal
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Go Through medical insurance policy in
Detail Carefully go through the policy and
member handbook to learn about the benefits,
coverage, and limits. It is a good idea to
subscribe to a magazine or newsletter published
by your insurer. These resources are particularly
helpful in familiarizing yourself with the plan
and company policies. Also, make sure that you
are notified every time there is a change in the
network of providers or covered services. You can
also consult the Summary Plan Description (SPD)
of the policy for additional information. Always
Maintain Records Maintain a separate file to
keep all the medical insurance policy related
documents. Don't throw away the plan brochures
and other documents. Keep all the memos along
with correspondence from your employer relating
to health benefits? Also save the SPD.
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What To Do If Dissatisfied With Medical Plan? In
addition to being fully aware of your benefits
and rights as member of a medical insurance
policy network, you should also learn what your
options are in case of any dissatisfaction or
grievance with the service or care provided. As a
policy holder you are entitled to get copies of
your medical test results and other information.
You can also request to change your primary care
doctor if you do not like the treatments or care
received. All policies come with an appeals
process, which can be used to appeal the
insurer's decision in case you or your doctors do
not like it.   Article Source http//EzineArticle
s.com/386451
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Medical insurance policy
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