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Be Informed
Read your health insurance policy and member handbook. Make sure you understand them, especially the information on benefits, coverage, and limits. Contact your agent or insurance company if you have a question.
Most of what you need to know is on the first few pages of your policy. See if your plan has a magazine or newsletter. It can be a good source of information on how the plan works.
If you have a PPO or HMO, be familiar with your Provider Network. Keep the web address or a copy of the network directory handy.
Take Charge
If you haven't done so, establish your medical history with a local, family practice physician who provides an on-call service 24 hours a day. With the exception of a true medical emergency, this is the office you want to call first whenever care is needed, either day or night. You don't want to be hesitant to call your doctor, or an "on call" associate, even at 2 a.m.
Know and utilize your plan's "wellness" benefits. Discuss your risk of getting certain conditions. What lifestyle choices might you need to make to lower your risks or prevent illness?
When speaking with your doctor, don't be bashful. Ask questions and insist on clear answers.
Don't hesitate to seek a second medical opinion. Check your policy. Many health plans contain provisions which encourage a second medical opinion.
Ask about the risks and benefits of tests and treatments. Tell your doctor what you like and dislike about your choices for care.
Make sure you understand and can follow the doctor's instructions.
Keep Track
Write down any health concerns. Start a health log of symptoms to help you better explain your symptoms when you meet with your doctor.
Set up health files for family members at home. This will help you to monitor care. It will also help you when you need to file a claim. (See Claims Help) Include health histories of shots, illnesses, treatments, and hospital visits. Ask for copies of lab results.
Know your medications, noting side effects and other problems (such as other drugs and foods that should not be taken at the same time).
Check your prescriptions carefully when filled. Mistakes are not uncommon. (See Prevent Medical Errors)
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