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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
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did not cover the anesthesiologist or other specialists that may have consulted in your operation. Thus, you have to pay these specialists for their services, even though you were under the impression that your plan would cover these costs associated with the surgery. Such a bill can be in the thousands of dollars, and there is little you can do to dispute the charges. The only way to avoid these charges is to make sure that you ask before the operation who will be involved and ensure that they are covered in your plans. Other limitations are put on a number of treatments. For instance, you may need physical therapy or visits to a psychiatrist. Many plans will put a limit on the number of covered visits for such medical treatment. Without realizing it, you may surpass the maximum visits allowed by your and end up racking up huge bills. Many people think that buying will cover them medically, but this is only correct to a point. When securing insurance, you should read through your package carefully, and when you are about to undergo any expensive medical procedure, be sure to consult your health insurance plan first.
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