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What You Don't Know Can Kill You: Health Insurance Limitations
By Melanie Callahan

Health insurance often requires a mountain of paperwork that has a lot of fine print. Unfortunately, this means that few people read their plans thoroughly nor do they fully understand what their plan covers or does not cover. Here are some common limitations in coverage that you should know. Some of the most shocking limitations are found in the the fine print holes in the insurance policy. For instance, many people have found that their did not cover a routine or necessary medical procedure because they did not receive an authorization code prior to the procedure or the hospital did not correctly fill out the paperwork. Your medical claim can be denied simply because the hospital used odd codes for your treatment. While any claims denied by the insurance company can be disputed, this process is not only tedious, but time-consuming and draining, especially for someone who is already ill. There is also little success in winning disputed claims, which makes this option rather limiting. Another surprising limitation happens more often than people realize. Imagine this situation: you are diagnosed with a medical condition and need an operation. You research surgeons and hospitals within your plan. You understand your plan's coverage of hospital care. You have your operation and then you find a massive medical bill in the mail. Apparently your   [Article continued below...]