Knowing Your Health Benefits

Imagine you have just got back from the hospital and are recuperating from an accident or a surgery. The reason you came back from the hospital does not matter. Things are going well and you are happy you bought health insurance to cover you in case just such a thing should happen. The last thing you need is to find out that you are not covered for some specific procedure, yet the bill from the hospital in your mailbox is about to awaken you to an unpleasant reality.

Before having to undergo any procedure, you should check with your insurance company to see whether or not the company will provide a specific benefit. You should also check to see what the deductible is, because the you must pay this before your policy covers you for anything.

Most insurance companies, including the popular Geisinger Health Plan make full details of its plan online. From the website, a person can get a good ide of the coverage he is paying for and whether or not a particular service will be covered. He can also find out how much prescription coverage he has, or if he has any prescription coverage at all.

The good news is this information tells him what to expect before he has to undergo a major surgery. It cannot help in the case of an accident, where the medical treatment was often unexpected and the hospital staff must frequently make decisions for an unconscious patient.

Finding out what your health insurance policy covers is a good thing, but if it fails to cover a needed service, people with limited income may be able to apply to help from the Medicaid program in his state. Anyone who applies must meet eligibility guidelines.