A Summary of How Health Insurance Works
Health insurance is a way to help reduce your cost of health care when it is needed. This is very important if you get sick or have an accident and need health care services.
Health insurance works because a large number of people become members of a group. These members can be part of an employer group or they can be individuals who purchase insurance directly. Members agree to pay a certain amount every month. This money is used when a member needs to pay for health care.
Health insurance payments are known as premiums. If you have a job, your employer may pay part of your premium. Your part of the premium is usually deducted from each paycheck. If you are self-employed or have individual insurance, you pay the insurance company premiums directly.
Insurance companies offer different plans. The benefits offered by each kind of plan vary. Sometimes you have to go to certain doctors or clinics. Sometimes you pay for part or all of your medicine. It is very important to know what your plan covers. You can check your benefits on MyChart.
Learn more about each of the steps you may go through –
To learn more about your plan, visit MyChart.
Estimate Your Out-of-Pocket Costs
Determine costs you may incur prior to receiving health care services using the Determination of Benefits Form. To complete the form, you will have to ask your provider for certain medical coding information including procedure codes, procedure modifiers and unit codes for the services.
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