How can I avoid getting stuck with uncovered expenses?
There are many things you can do to improve your situation, but you will have to pay some of your medical expenses. First of all, if you have insurance, review your member handbook, noting what is and isn’t covered. Budget for your share of the expenses you know you will have and try to anticipate expenses you may face. Identify your family’s needs, which may include medications, allergy treatments, physical therapy, well-child examinations, immunizations, etc. You can also do the following: Review the coverage and benefit limits for each type of treatment. Find out if they require preauthorization or a referral to a specialist. Read the grievance explanation in your member handbook and know your rights. Talk to your insurance company’s customer-service department if you have questions. Determine whether you need more insurance and set aside money to pay additional premiums.
