Happy New Year

H - Health Insurance is a necessity, not an option.

A - At what point will your plan pay 100%? (stop-loss)

P - Premiums should be paid on time.

P - Precertification is often required.

Y - You should understand how your policy works.

N - New year often means new deductible!

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

W - What type of plan do you have? H.M.O., P.P.O.,Traditional?

Y - Your ID card should be with you at all times.

E - Each new baby must be added to your plan within 30 days of birth.

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

R - Remember: health insurance is a necessity!

Have a happy, HEALTHY New Year from all of us at Medical Insurance Claims, Inc.

  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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