Having an insurance benefits is very helpful . However navigating through what you need to know can be very challenging and costly
Here is the list of how to talk to you patient benefits person:
- Is Acupuncture treatment covered now, or is there an effective date of coverage? _______________________________
- Is Acupuncture treatment covered for all medical conditions, or are there limitations?
- What do I pay for Out of Network? _______________________
- Do I have a deductible? _________ What is it? _____________
- Has it been met? __________What is my Co-pay? ___________
- How many visits are covered, or what is the maximum dollar amount per year? __________
- How many/much have I used to date? _____________________
- Is there an pre-authorization number that I should reference when submitting bills or if I need to call back?_____________________
- What is the calendar year for my plan? ________________ (your coverage may change when the new year begins, and you may need to ask these questions again).