HEALTH INSURANCE REVIEW
With cases of the H1N1 flu virus now being reported in Blount County and across the state, the Tennessee Department of Commerce and Insurance is urging Tennesseans to review the details of their health insurance policies. Take a few minutes and answer these questions for May 8, 2009:
What is your out-of-network co-payment? If your area is affected by the spread of the H1N1 flu outbreak and your regular healthcare provider is not be able to see you in a timely manner, you may need to visit an out-of-network provider. If you have to go out-of-network, be aware you will have to pay a higher co-payment for your office visit and possibly any tests run during the visit.
What is your co-payment for the most common H1N1 treatments? The two drugs that doctors are encouraged to prescribe to treat H1N1 flu are Tamiflu and Relenza. Also find out if there are any coverage limitations that apply to the distribution of the medication. Some policies will restrict coverage on the number of doses per prescription or per year.
ASK YOURSELF: Does your policy have a preauthorization requirement for hospital admission, laboratory testing or other services?
Get prepared for any eventuality with the following checklist:
Have your health insurance I.D. card handy.
Review your health insurance policy provisions. Know which doctors and hospitals are in your network.
Make note of your co-payments. Know how much a doctor's office visit will cost. Check to see if your co-payments go up if you go out of network.
Find the list of pharmacies covered by your health insurance policy.
If you have plans to travel, make sure you check to see if there are any in-network doctors or medical facilities where you will be visiting.
Make sure you have contact details for your health insurance company available in case you have questions.
Your employer may be gathering all pertinent health insurance information together for you in one simple-to-reference form. If they do, post the information where it can easily be accessed by you and your family.
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