To read the fine print, you have to have the fine print

Sunday, April 12, 2009 20:24 | Filled in Payment, Personal Responsibility

Has your health insurance company ever refused to reimburse for medical expenses that you thought should have been covered?

Mine has. And what I discovered is that the basis of those decisions resides in the fine print of the insurance plan benefits description. The print is so fine, in fact, that most of it doesn’t appear in the fancy marketing piece (often called the “summary of benefits”) that your company’s Human Resources department gives out at open enrollment: The real fine print is in the plan documents themselves. The plan documents describe in detail what will, and won’t be covered. These are sometimes called the “Combined Evidence of Coverage.”

If you or a family member have a chronic health condition, it is especially important that you ask HR or the insurance company for the plan documents directly. And read them completely.

When open enrollment rolls around again, you will need to decide what kinds of health care coverage are important to you, and perhaps consider switching to a different plan that will meet your needs better.

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1 Comment to To read the fine print, you have to have the fine print

  1. Petrea Burchard says:

    April 19th, 2009 at 3:16 am

    Just a grammar one on this one, Jane. The first sentence of your second par. should be “Mine has.”

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