Ways To Avoid Scary,

It may help to highlight the important parts as you read through everything. Take note of what the plan’s deductible is—that’s the amount you need to pay during a coverage period (usually one year) before your insurer will cover costs. If your plan’s deductible is $500, for instance, then you’ll pay claims until you’ve hit that amount; after that, your insurance will cover claims for the rest of the coverage period.

You’ll also want to know which services are covered in-full. For some preventative or essential services (think: the flu shot, your annual physical, etc.) all you’ll owe is a co-pay, and your insurance will foot the rest of the bill. These are basically freebies, so you’ll def want to take advantage.

That’s because the insurance company has negotiated rates with in-network providers.

For out-of-network providers, the insurance company has no agreement, so if the health care provider charges a higher rate, the insurance will only cover the amount they’ve established with their in-network providers, leaving you to pay the difference.ven if you go to an in-network doctor or facility, keep asking questions about coverage. “Asking a doctor or physician if your insurance covers specific treatments is a must,”