Health insurance can feel overwhelming, but taking an active role in your care can make a big difference in your health and your wallet. Being your own advocate means asking questions, understanding your coverage, and speaking up when something doesn’t look right.
Here are five ways to take charge:
1. Review Every Medical Bill
Errors happen. Make sure charges match the care you received and that your insurance was applied correctly.
2. Confirm In-Network Providers
Before making an appointment, verify that the provider and facility are in your plan’s network to avoid higher out-of-pocket costs.
3. Request Cost Estimates
For non-emergency procedures, ask for a cost estimate in advance so you know what to expect.
4. Keep Records
Save copies of bills, explanations of benefits (EOBs), and any correspondence with your insurance company. This can help if you need to dispute a charge.
5. Use Customer Service
Your insurance company’s customer service team is there to help you understand your benefits, coverage limits, and claims. Don’t hesitate to call.
Why This Matters
The more informed you are, the better decisions you can make — and the more control you have over your healthcare experience.
Need help understanding your coverage? Contact Professional Insurance Programs at 800-637-4676 or info@profinsprog.com.