10 Tips on Avoiding Major Health Insurance Traps

NOT ASKING IF YOUR DOCTOR IS IN NETWORK

Imagine going to a doctor thinking your out-of-pocket expenses will be minimal because you assumed the physician was in network. Then the bills come in the mail stating that you owe hundreds of dollars more than anticipated.

So what happened?

“Most health insurance companies use doctor networks and structure your insurance benefits so that you have less coverage — or none at all, in some cases — when you see someone outside of the network,” said Anthony Lopez, senior director of business for eHealth.com.

If you don’t abide by the plan guidelines, you could end up paying for the doctor visit instead of your insurer.