Merry Christmas

M Make sure your premiums are paid on time.

E Explanations of benefits should be reviewed by you for accuracy.

R Review your health insurance benefits periodically.

R Remember; health insurance is a necessity not a luxury.

Y You should understand how your policy works.

C Confused about your options? Seek advice from someone who is qualified to give it rather than a well meaning friend or neighbor.

H HMO’s require that you notify them when you change your primary care physician.

R Rates changes happen! When you are notified of a premium increase, contact your agent for additional options.

I Investigate your options- understand the benefits and limitations before making any changes to your plan.

S Submit claims in a timely fashion, or find someone to do it for you.

T The time to understand your benefits is now, before you need them.

M Make copies of the explanation of benefits before mailing it to a secondary insurance company.

A Always ask questions when you don’t understand something.

S Stay informed – watch for our weekly columns on “Understanding Your Health Insurance.”

Merry Christmas and Happy Hanukah from all of us at Medical Insurance Claims to all of you. Be sure to call us if you have any questions about your health insurance or if you are interested in changing your benefits.

Irene Card & Betsy Chandler are both licensed insurance professionals working at MIC Insurance Services, a health insurance services company. If you have questions relative to this column or other related topics, we invite you to call (973) 492-2828, browse our past columns on our web site at www.micinsurance.com.

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