Suggestions On Getting Optimum Benefits From Your Health Insurance

You can count your lucky stars if you till have decent health insurance through your employer. The current situation is making it harder and harder for employees to get decent coverage from their workplace. Costs are going up, and benefits are going down. However, there are some tips and advice you can use to help get the most out of your group insurance plan. By the time you finish reading this article, you'll be able to squeeze more benefits out of your plan.

Every health plan has limitations, and you should be well aware of yours. One thing that group health insurance offers in many cases is unlimited visits to your primary physician. If this is the case, then there are a few things you can do to maximize your time with your doctor, even if it's only for ten or fifteen minutes.

One thing you can do is make up a list of questions before you go in. Make them as specific as possible, as vague questions generally invite vague answers, which aren't much help. For example, instead of saying you are having trouble sleeping at night, make up a list of everything you do before going to bed, and ask your doctor if anything on your list is causing you some problems.

Another thing to do is to prepare a concise, detailed description of your condition with as much detail and information as possible. Saying you have a backache is good, but saying your lower back hurts in the afternoon but feels better when you take a hot bath is much better. And be sure to ask for specific things to do to get rid of your discomfort. Don't be shy about putting your doctor on the spot.

Another important thing to consider is what kinds of drugs are allowed on your plan. Many group insurance plans only cover generic prescriptions, so you'll need to be aware of this when you visit your doctor. Many times a doctor will see many different patients with different plans, so it's not always clear to them what's covered and what isn't. Be sure to let him or her know that you only can accept prescriptions for generic drugs if that's the case.

These concepts are fairly basic and straightforward. But when you put them into practice on a regular basis, you'll save time, money, and notice a significant improvement in the quality of your health care.
by:  George Hutton -- http://www.articlecity.com/articles/health/article_11764.shtml