Thursday, January 10, 2019
Surprise Medical Bills Are On The Rise!
By Coleen Elkins- RV Insurance Benefits
As consumers we purchase health insurance to transfer risk from ourselves to an insurance company in the event of illness or and accident. We don't buy health insurance hoping to use it.
We want to spend as little money as possible to protect our assets. Our goal is to purchase a plan that meets our needs and our budget. We typically choose a health insurance company our doctor is contracted with.
In years past checking to see if your medical services are being covered "in network" was an easy task. In many cases the services are pre-approved by your insurance company.
It would be natural to think every aspect of your services are going to billed as an "in network cost". You expect to have normal copays and deductibles after that you owe nothing. If you did some research you knew a head of time what the services were going to cost you.
Most people are unaware that how doctors and hospitals do business is changing. If you are not a savvy consumer these changes could result in you owing thousands of dollars over your deductible and co-insurance.
So what is at the heart of the matter? One cause is hospitals are contracting with doctors that are not employed by the hospital. Even though the hospital is in network those in the hospital treating you may be out of network. If they are out of network the insurance company typically is not going to pay those bills. You will then be directly billed by the healthcare provider and those bills could run into the tens of thousands of dollars.
If you have an HMO it can get even more complicated.
When seeking elective (non-emergency) services we recommend doing some research yourself.
Health insurance is often purchased online with a simple "click" and without the benefits being explained to you in detail. What you see online typically is a benefit highlight. How many people actually sit down and read their policies once they enroll in a plan?
There are some ways to educate yourself so you understand your benefits. One is to seek the services of an insurance agent that will help you understand your benefits when you are in the process of choosing them. Using the services of a licensed knowledgable agent are provided at no cost to you. Health insurance agents are paid by health insurance companies to be your personal customer service expert and advocate.
At RV Insurance Benefits our team of agents are RVers helping RVers. We understand your needs firsthand. We are here to help you and educate you so you can understand your benefits.Our agency stays on top of all legislative issues. Once your policy is in place your enrolling agent becomes your personal customer service representative.
We want to know what is important to you. Our goal is to provide you with information that is going to help you maximize your health insurance benefits.
We proudly offer health plan benefits to RVers that help them utilize benefits and control costs.
Those benefits include:
* Toll-free Concierge Service to assist you in finding the most affordable & convenient health care services.
* PHCS PPO Network with 900,000 providers Nationwide
* TelaDoc provides a convenient alternative to Urgent Care or ER Visits
* Three benefit options to choose from to fit your budget
Call us today 1-888-337-1705 and let us know what is important to you and insuring your health!
We are available six days a week to review your options with you and we look forward to being of service!
Visit our website: RV Insurance Benefits
Ask us about Medicare Supplement Plans, Dental and Accident Plans too!
Offering Peace Of Mind For Your Health Since 1995
Posted by C. M. Elkins at 12:35 PM