1. Reading A Health Insurance Policy
What To Look For

2. Company
Insurance offices can
be a trees worst
nightmare. Papers are
everywhere at times.
Mistakes can happen. If
you used an insurance
agent, verify that the
policy you got is from
the company you
applied to.

3. Policy Type
Verify the type of health insurance you want is the type you were given.
Discovering there has been a mistake after an accident or illness is too late.

4. Rights
Instructions on how to appeal a decision your insurance company makes that you do not agree with should be in the first 3 pages of your policy.

5. Riders
Are the ones you wanted there?
Are riders present you did not want?

6. What will your health insurance policypay for?
Benefits

7. Limitations & Exclusions
Limitations
Exclusions
Know what things your insurance will only pay partially for.
Know and understand what you insurance will not pay anything for.

8. How to use your policy to pay for out of network medical care.
Claims

9. Definitions
Your policy is a binding legal contract.
The definitions section defines what words and jargon mean

10. If you have any insurance related questions you may contact Tim Barnes, CLU through the contact page on the web site below.
www.theinsurancebarn.com