The first thing you should consider is looking at the main questions you need to know up front. Knowing the basics, and understanding those first, can make all the difference. You want to be able to access very easily subjects like, Maximums, such as lifetime and out of pocket expenses, of course your personal deductible amount, percentages your insurance company is liable for in the event of a hospital stay or emergency room visit, referral visits, if applies to doctor's office or any out of network.
Then read through the documents and look for the words like with the exception of, pre-authorization, excluding or with the exclusion of. Sections that include these words will usually let you know all the things that will not be covered in your insurance policy.
Watch out for lifetime maximum amounts because although they may seem like big numbers if you have a serious illness or injury that will require hospitalizations then this money may go a lot more quickly than you anticipate. Many people are well when they sign up for a health insurance policy with a million dollar lifetime maximum on it but once they get ill they see that money goes very quickly.
Understanding an insurance policy can be challenging, if you still find terms and different items written that you feel you need more information on you can look the terms up on line, there are several informational sites that can help you to make more sense of the terminology so many of us are not familiar with, or inform your insurance agent of your concerns.
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