Mike Novelli, licensed insurance agent asserts that exercising ones patient's right by comparing quotes is in every consumer's best interest. In the state of Michigan, almost one in four citizens have health insurance coverage from a health maintenance organization (HMO). Although Blue Cross Blue Shield is considered the state's primary provider, Michiganites often neglect to shop around to compare the terms with other Michigan health insurance plans.
By comparing health care policies, many can circumvent being left to cover the cost of unforeseen medical bills. Obtaining three to four medical quotes is the smartest way to compare and find the best coverage. For a fast study on finding the best policy, consult a licensed insurance agent, who is in well versed in explaining the terms of several health plans. Remember to ask as many questions, including"
What benefits are in included with the Michigan health insurance plan? Despite Blue Cross Blue Shield of Michigan's basic benefit requirements, specific medical services are not included, which may be needed for individuals afflicted with certain health necessities (in example: cancer, diabetes, mental health care).
What are the policyholder's financial obligations (co-insurance, co-payments for doctor's visits, deductibles)? Assess the frequency of medical care needed to the cost annual budget based on the policies and out of pocket expenses.
What is the policy for obtaining pre-certification for medical procedures? Certain medical plans impose stringent, preauthorization requirements, holding the policyholder financially accountable for services rendered.
Ask which physicians are associated with the insurance plan. In scenarios, where prospective insurance holders have a primary physician, it is commonsensical to confirm that the doctor is affiliated with the Michigan health insurance. Request an explanation of the protocol for emergency medical care. Beware certain ailments are not always covered.
In summation, exercising one's patient bill of rights and an ounce of prevention circumvents any unplanned medical bills and an ability to maintain fruitful Michigan health insurance.
By comparing health care policies, many can circumvent being left to cover the cost of unforeseen medical bills. Obtaining three to four medical quotes is the smartest way to compare and find the best coverage. For a fast study on finding the best policy, consult a licensed insurance agent, who is in well versed in explaining the terms of several health plans. Remember to ask as many questions, including"
What benefits are in included with the Michigan health insurance plan? Despite Blue Cross Blue Shield of Michigan's basic benefit requirements, specific medical services are not included, which may be needed for individuals afflicted with certain health necessities (in example: cancer, diabetes, mental health care).
What are the policyholder's financial obligations (co-insurance, co-payments for doctor's visits, deductibles)? Assess the frequency of medical care needed to the cost annual budget based on the policies and out of pocket expenses.
What is the policy for obtaining pre-certification for medical procedures? Certain medical plans impose stringent, preauthorization requirements, holding the policyholder financially accountable for services rendered.
Ask which physicians are associated with the insurance plan. In scenarios, where prospective insurance holders have a primary physician, it is commonsensical to confirm that the doctor is affiliated with the Michigan health insurance. Request an explanation of the protocol for emergency medical care. Beware certain ailments are not always covered.
In summation, exercising one's patient bill of rights and an ounce of prevention circumvents any unplanned medical bills and an ability to maintain fruitful Michigan health insurance.
About the Author:
Bookmark or visit Michigan Health and Life.com for additional information regarding health coverage in Michigan. The site maintains the latest news, resources and a free Michigan health insurance quote, online.
