Puzzled by Your Insurance Coverage? Let's OverHall the Pieces! by Janet L. Hall

Puzzled by Your Insurance Coverage? Let's OverHall the Pieces!

by: Janet L. Hall

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(A special note to those of you that live outside of the United States. It would be

impossible for me to try and cover all types of health insurance and coverage that

is offered around the world. I do hope this article will help guide you as to what

you should be looking for in your area of the world when it comes to health

insurance.)

Health insurance, you either have it or you don't. But wait a minute. Even if you

have health insurance you might not have it, meaning, you might not have the

coverage you'll need for your particular illness or injury.

If you work for a company, chances are they offer what I like to call * boiler plate

insurance *. Take it or leave it. If you’re self-employed, chances are you can get

the coverage you want but you also end up paying * big time * for it if you don't

understand the products and options available in the market place.

A friend told me about a female executive she had met who knew nothing about

her family's insurance coverage because her husband handled all * that *. She

woke him up one night asking him if their insurance covered them if they should

get Alzheimer's.

He tells her, "Yeah, we’re covered, go back to sleep and stop worrying."

But she wasn't so sure if he really knew and thought she had better find out

exactly what their insurance covered.

What exactly does your insurance cover? More importantly, what DOESN'T IT

COVER? You need to know and understand what your plan covers BEFORE

you need to use your insurance.

I don't claim to be an insurance person but I have done some research and here

is a sampling of what I have discovered.

You've got PPOs, POSs, HMOs, and COBRA. You've got Indemnity or Fee-for-

Service plans and Government run plans such as Medicare, Medigap or

Medicaid. Then there's Disability, Hospital Indemnity, Long-Term Care, and

Nursing Home Plans. Let's not forget Dental and Vision!

You want and need to have health insurance to protect yourself and loved ones

from financial disaster if you or they should fall into an illness or injury!

So I'm writing to urge you to get out your health insurance policies and take a

good look at them. See if your policies need an * OverHall *. Call the provider if

you don't understand something or you have a question.

Get the family together for an hour or so and talk about the coverage you

currently have and write down any questions that come up.

Listed below are several questions and answers I came up with:

1. Do you have a choice in the type of plan?

ASK

2. Should both spouses carry their company's plan or just one plan?

3. Which is the best plan for you?

Go to Page 2

BIO:

The Organizing Wizard, Janet L. Hall, is a Professional
Organizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She is the owner of
OverHall Consulting and Organizing By Phone. Subscribe to
her FREE organizing newsletter at
http://www.overhall.com/newsletter.htm or visit
her web site at http://www.overhall.com

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