Understanding How to File Claims
With most employer-sponsored health insurance plans, you do not have to file your own claims. If you have a Health Maintenance Organization (HMO) plan or Preferred Provider Organization (PPO) plan, the medical provider's office usually files the claims. You will only pay the necessary co-payment or co-insurance for services covered under the plan.Read more
As out of your control as health insurance may seem at times, there are things you can do to make your whole experience better and easier -- whether you're looking to fight back when a claim's denied, dealing with the loss of a job or wondering how healthcare reform will affect you. Take control by reading the fine print and don't be shy about making changes to your health plan.
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Health Insurance Q&As
Betty Long, RN, MHA
Nursing, Patient Advocate
What should I ask about a health insurance plan?
Here are some questions to get you started: What hospitals and doctors are in the plan's network? Make sure your primary care doctor is in network. (As an example, a 68-year-old man who had a Medicare Advantage plan (HMO) was not able to . . .
- Q How does a POS differ from HMOs and PPOs?
- Q Do HMOs cover health screenings and preventive care?
- Q How do managed care health plans work?
- Q How can I connect with the right doctors with my health plan?
- Q What are the types of private health coverage?
- Q Do private health plans vary from state to state?
- Q How much do Medicare benefits cost?
- Q Should I get supplemental insurance?
- Q What is the difference between Medicare and Medicaid?
- Q How do I choose a health plan?
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Learn About Healthcare Reform Pick the Best Insurance Company Fight a Claim Denial Discover Health Savings Accounts Learn More: See All Health Insurance Articles
If you're like most young people heading out into today's workforce, health insurance isn't the biggest thing on your mind. The question "Who is paying for my healthcare?" may never have occurred to you . . .
I get asked -- all the time -- about dental insurance, and it's almost never a "good" conversation. It's usually along the line of "Why is dental insurance so lousy?" My patients have a point: Dental insurance typically IS pretty lousy . . .
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Father-in-law dying, no health insurance
I don't qualify...