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Health Insurance Tips
    • Many employers are offering defined-contribution plans, in which the employer provides a set amount of money you can use to shop for health coverage.

    • The most popular health plans remain the Health Maintenance Organization and Preferred Provider Organization, but the lines that once defined them are now a lot more blurred.

    • Make sure the insurer meets its promise to cover the medical work the doctor recommends. Get your scheduled surgery precertified by you insurer in writing.

    • Don't ignore notices saying a doctor or hospital hasn't been paid. Be your own case manager. Update!

    • In a PPO, make sure every doctor you see and hospital you go to are in the plan.

    • If you don't have coverage and are healthy, consider a Medical Savings Account, which combines a catastrophic insurance plan with a tax-advantaged savings account.

    National Insurance Consumer Hotline
    800 942-4242

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