How can I get the best mix of covered services, provider choice and costs?
What is best depends on your situation. Because you or a family member has asthma, it’s good to have a plan with broad coverage for that condition. But you may not be able to afford a high-cost plan. If you’ve long been treated by a doctor who’s not contracted with any plans, you’ll need to get a non-managed care plan to keep that doctor. But if you just moved to a new city, being able to see a particular provider is not as important. Your doctor’s staff or a community group such as a senior citizen association can advise you what plan is best. What is “assignment of benefits” and how can it help me? Assignment of benefits (“assignment” for short) means your provider agrees to send a claim to your plan and accept the plan’s “allowed” payment as full payment. You don’t have to pay out-of-pocket for the entire bill when you’re treated. You also may save money and you don’t have to mail a claim. And if the claim is denied, your provider usually can file an appeal on your behalf. All provi
