You aren’t feeling well. You’ve visited your doctor, who wants to run a number of tests to determine what’s wrong. But you’re worried. Will your health insurance help pay for these costs? Will you be left to manage the bills on your own? For many people, this is a real concern. And in some cases, individuals may avoid getting the care they need because they are afraid of the cost. Instead of making that decision, find out what your health insurance company will provide for you.
Who Decides on What You Need?
It’s a misconception that your health insurance makes decisions about your wellbeing or about the care you’re allowed to obtain. While they may not cover all types of procedures, the insurance company is likely to cover the tests that doctors deem medically necessary. This is especially true in situations where it is unknown what is wrong.
There are protocols in place, though. Your doctor will need to show why you need certain types of care. For example, you may have had a large test just a few weeks ago and it’s unlikely any differences will appear. Your insurer may need to verify why you need this again.
What Coverage to Obtain
When buying health insurance, ask questions. Find out how liberal or limited the plan is. Read through the coverage and the plan itself to better understand what your specific needs are compared to what is being provided. Some plans may cover the costs in their entirety, while others cover a fraction of the cost. However, you can adjust this level when buying your plan. It may cost a bit more to have more coverage, but for many people that’s okay to have the peace of mind.
As an individual in need of medical care, your first priority is to obtain that care. Your doctor’s office as well as your health insurance provider will work together to ensure you get the tests that are needed whenever it is necessary. If your coverage isn’t adequate, you’ll be informed of this before any test is performed in most doctor’s offices. Be sure to ask questions and be informed of what your options are.
Get the coverage you need. Call Sweet & Baker Insurance Brokers at (415) 512-2100 for more information on San Francisco health insurance.