When Health Insurance Does Not Cover Your Medical Care

by Michael Benifez

With prices in every industry rising throughout the decade, there is no doubt that insurance rates of all kinds are reaching frightening heights as well. However, the increased rate of health insurance doesn’t mean you should not agree to have it anymore.
When it comes to the coverage of checkups, illnesses, emergencies, or prescriptions, the costs your health insurance covers saves you lots of money in the end.
As good and as important it is to have health insurance for yourself and your family, there are always the exceptions. No matter what plan you have and how much it covers, there may be a time in your life when you go through treatment or have a medical condition in which your health insurance policy will not take care of. Usually these exceptions to your insurance deal with plastic surgery, however, a different situation may arise.
When you have your insurance plan, whether you took notice of it in the beginning or not, there are “excluded treatments” outlined. When seeking a treatment that your insurance company says they cannot cover, the first thing you should do is read over your policy.
If what you want or need done is not listed in the “excluded treatments,” you should contact the company your insurance is with and ask them about their reasoning behind it. Not all of the time, but in some scenarios, talking to the insurance company and your physician will help you get consent to go on with your treatment or surgery.
When things do not work out how you wanted and you do not get approval for your treatment or surgery, there isn’t much you can do. If you decide to still go on with your treatment you will be compelled to pay for everything yourself. Not everyone has the money for expensive treatments or surgeries these days, and if you do not want to give up the fight, you can continue to appeal your insurance company’s decision.
In order to follow through with an appeal, you must do all the steps correctly. Most companies are dealing with tons of consumers, and would rather make an exception for your need rather than take the time to handle the appealing process.
If all fails, there are only a few options to offer before you decide to have nothing taken care of, or decide to pay the full price. When all is said and done and you are out of hope, try asking your doctor to lower the payment or if you could work out a plan so you do not have to pay it all at once. If there is no hope there either, take some time to look up other doctors and see if you can negotiate a lower price with someone different.
Lastly, this does not apply to all, but you can check to see if you are able to get free treatment at a public clinic. For some unfortunate ones, none of these options could work. However, if you feel you have the time and venture, you should be able to get what you want or need done at a reasonable price.
About the Author
Medical emergencies can put anyone behind the financial eight ball. Visit Everlife.com to learn more about credit, debt relief and improve your financial rating.

Gap Vehicle Insurance Frequently Asked Questions

By Jill Sprouse

1. What is Gap Vehicle Insurance? Insurance that ensures the owner for the difference between what is owned on the vehicle and what the insurance company determines that the automobile is worth.
2. Who Needs Gap Vehicle Insurance? Gap Vehicle Insurance is usually needed if you owe more on the automobile than it is actually worth-ie: if you have negative equity in the vehicle.
3. Is Gap Vehicle Insurance Required? Most lending institutions don't require the insurance. However, if you are leasing an automobile it might be required.
4. Can I Get It On a Used Automobile? Depending upon the insurance provider, you might be able to get Gap Vehicle Insurance on an older model automobile.
5. Where Can I Get It? Gap Vehicle Insurance can be purchased at the dealership at the time of the transaction. It can also be purchased from local insurance providers or through providers on the internet.
6. What Does It Cover? Most policies only cover accidents and theft.
7. Do I need Gap Vehicle Insurance and Traditional Insurance? Traditional insurance covers you for vehicle damage and any resulting injuries. Gap insurance only covers you for the difference between what is owed on the automobile and what the insurance company determines the automobile is worth.
8. How Much Does It Cost? The average cost of a Gap Vehicle Insurance policy is between $300-$700.
9. Do I Have To Purchase Gap Vehicle Insurance When I Purchase My Automobile? No. Most insurance companies will allow you to purchase it after the transaction has been completed.
10. Is Gap Vehicle Insurance Available In All States? Most every state offers some type of gap insurance. Check with your state's insurance commission for a list of providers.
If you would like more information on Gap Vehicle Insurance visit my website at Gap Insurance
Article Source: http://EzineArticles.com/?expert=Jill_Sprouse