- Always carry your current and valid insurance card and a picture ID with you.
- Always have an updated list of medications with you (think of an emergency).
- Have the list of your allergies to medications with you (again, think of an emergency).
- Do not carry expired insurance cards with you because an old card may come up as “not valid” in the doctor’s office.
For instance, your insurance may be with the same company you were with last year but the plan and the plan
number might have changed.
- Call your insurance company for a new card if you have not received it after you re-enrolled (e.g., at the end of the
year; in case of government employees, at the end of the fiscal year).
- As a reminder, mark your insurance card with the date you received it.
- Get a new insurance card immediately if your family status and/or name changes.
- Get a new insurance card immediately if your job changes.
- Know your insurance’s terms and fees (scroll down for explanation of the most common terms). Pay attention to
changes and know when they are expected to kick in. Read the contract carefully – it is not fun but will help you to
avoid unpleasant surprises.
- Understand the “explanation of benefits” that you receive from your insurance company after your visit. Check the
names, dates and line items as mistakes can happen. When in doubt, call your doctor's billing service first.
- Every insurance contract is different and they also change periodically. Generally, they become more restrictive
- Just because a treatment or a medication is not covered by insurance it does not mean that you have to
live with the problem. Talk to your doctor.
Whereas we make all effort that this information is correct, because of the fast-changing world of insurance there may be
omissions and reinterpretations for which we cannot take any responsibility or accept any liability.