Advertisement

What is the Summary Plan Description (SPD) for my health insurance plan?

Dr. Michael Roizen, MD
Internal Medicine

It is a good idea to read the Summary Plan Description (SPD), to make sure you know the ins and outs of your policy, read that entire insufferably boring and smaller-print-than-usual -font booklet (Summary Plan Description (SPD)) with all the policy rules and limits and bylaws and heretofores and therewiths. It will outline the medical services your insurer will cover, the necessary fees (co-pays or fixed amounts that you must pay for services), and anything that is not covered under your plan. You can get it from your HR department or the insurer. If it makes it more enjoyable, read it aloud and set it to song.

YOU: The Smart Patient: An Insider's Handbook for Getting the Best Treatment

More About this Book

YOU: The Smart Patient: An Insider's Handbook for Getting the Best Treatment

Everyone needs to become a smart patient. In fact, in the worst cases, your life may even depend on it. Number one bestselling authors and doctors Michael Roizen and Mehmet Oz have written this...

Continue Learning about Health Insurance

7 Questions to Ask About Health Insurance Before Taking a Job
7 Questions to Ask About Health Insurance Before Taking a Job
Congratulations on the job offer! Once salary negotiations have ended and you’re almost ready to sign on the dotted line, it will be time to delve int...
Read More
What is health insurance?
Dr. Jeanne Morrison, PhDDr. Jeanne Morrison, PhD
Health insurance is a formal agreement to provide and/or pay for medical care. The health insurance ...
More Answers
How to Choose a Health Insurance Plan at Work
How to Choose a Health Insurance Plan at WorkHow to Choose a Health Insurance Plan at WorkHow to Choose a Health Insurance Plan at WorkHow to Choose a Health Insurance Plan at Work
Ask these five questions to save money and ensure you and your family get the right care. You were offered a new job and you’ve accepted the position—...
Start Slideshow
Who Are the Key Players in Healthy Living?
Who Are the Key Players in Healthy Living?

Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.